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United and Zelle®

small business owners
get paid with Zelle®


Login and Enroll

United Member: Jim, member since 2017

fast, easy

Zelle® is a great payment option for you and your customers1.

With Zelle®, money is delivered directly to your bank account and typically arrives in minutes2.
Simply provide your U.S. mobile phone number or email address to your customer so they can pay you.

FAQs

A: Zelle® is a fast, safe and easy way for small businesses to send, request and receive money directly between eligible bank accounts in the U.S. If your customers use Zelle® within their mobile banking app, they can send payments directly to your small business bank account1. To get started, log into your United online banking account or mobile app and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle®. Zelle® payments typically arrive within minutes2.

A: You can send, request, or receive money with Zelle®.

  • To get started, log into your United online banking or mobile app and navigate to Zelle® within the menu. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle®.

A: When you use Zelle® with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle® to small businesses. You can also send to consumers that have access to Zelle® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are only enrolled in the Zelle® app using a debit card.

If the small business or consumer you send money to has already enrolled with Zelle® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

A: You can receive payments from consumers using Zelle® through their bank’s mobile app. You can also receive money from other small businesses if their financial institution offers Zelle® to small businesses. At this time, you’re not able to receive payments from consumers that are only enrolled in the Zelle® app using a debit card.

A: There are a few ways you can encourage your customers to pay you with Zelle®.

  • Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
  • Use Zelle® to request money3 from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).
  • Add pre-approved Zelle® content to your business website: Zellepay.com/smallbusiness-toolkit. Please note, you’ll only be able to receive payments from consumers using Zelle® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.

A: Once you’re enrolled with Zelle®, the money you receive is typically available within minutes.

A: First, you should enroll your email address or U.S. mobile number with Zelle® through your mobile banking app and associate it with your small business account. Second, share your enrolled email address or U.S. mobile phone number with your customers and ask them to send you payment with Zelle® right from their banking app. You don’t need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

You can also request payments directly through your mobile banking app by clicking “Send Money With Zelle®,” selecting “Request,” entering your customer’s email address or U.S. mobile number, confirming the recipient is correct (make sure you’ve entered the correct email address or U.S. mobile number of the person or business you want to request payment from) and tapping “Request.”

You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

A: To request money with Zelle®, select “Send Money with Zelle®” in your mobile banking app, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”

If your customer is using Zelle® through their bank’s mobile app, they’ll be able to pay you with Zelle®3. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

A: No, at this time, United does not charge a fee to use Zelle® with a small business account.

A: To determine whether your small business is eligible to use Zelle®, log in to your mobile banking app and look for Zelle®. If you’re able to enroll with Zelle® using your business checking or savings account, then you are eligible to use Zelle®.

A: Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don’t need to do anything different to send money to a small business – they use the existing Zelle® experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for small businesses, as small businesses cannot currently receive payments from consumers who are only enrolled in the Zelle® app using a debit card.

A: To get started, log in to UFCU’s online banking or mobile app. To enroll a small business bank account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, crystal@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

A: No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records.

A: You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you send money to a small business or consumer that has already enrolled with Zelle®through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled.

If you try to send money to a consumer that is only enrolled in the Zelle® app using a debit card, the payment won’t go through and a message will pop-up to let you know the payment cannot be completed.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please give us a call at (888) 982-1400.

A: For your security, we restrict the amount of money you can send to recipients.

Send limits

There are rolling daily and 30-day limits for established recipients.4 Currently there is a $1,000 per User Daily Limit and $3,000 per User 30-Day Limit. These limits are subject to change.

Receiving limits

We do not limit how much money you can receive with Zelle® using your email address or U.S. mobile phone number. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution or payment network.

A: There are no limits to the number of transactions you can make with Zelle®

A: Please call our Member Service Center at (888) 982-1400.

A: Neither United Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

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