Accessing ZELLE® as a UEdge Member – United Federal Credit Union fka Edgewater Bank
As of May 1, 2021, your accounts with Edgewater Bank will become accounts with United Federal Credit Union. If you were formerly a customer of Edgewater Bank, you will be able to access Zelle® through our UEdge online banking and mobile app. If you are a United Federal Credit Union Member who is not a former Edgewater Bank customer, Zelle® is available to you using the Zelle® app and can be downloaded here. If you have any questions, please contact United at (800) 922-5221.
Zelle® is a convenient way to send money
using your mobile banking app or online banking account
Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle® is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1, and all you need is the recipient's email address or U.S. mobile phone number.
mobilize your money with Zelle®
Send Send money fast in just a few steps.
Request Settle up with roommates, friends and more, regardless of where they bank.2
Split Easily divide the check for dinner, coffee and more.
A: Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2
A: You can send money to friends, family and others you trust.2
Since money is sent directly from your bank account to another person's bank account within minutes1, 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.
A: You can send, request, or receive money with Zelle®.
To get started, log into UEdge's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.1
To request money using Zelle®, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request".3
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.
A: If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.1
If you have not yet enrolled with Zelle®, follow these steps:
Click on the link provided in the payment notification you received via email or text message.
Select United Federal Credit Union fka Edgewater Bank.
Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
A: Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.2
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
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.
A: It's easy — Zelle® is already available within UEdge's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
A: When you enroll with Zelle® through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with United).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies United of the incoming payment. United then directs the payment into your bank account, all while keeping your sensitive account details private.
A: In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.
A: You can only cancel a payment if the person 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 the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why 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.
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 call our Member Service Center at (269) 982-4175 so we can help you.
Scheduled and recurring payments are features provided by United in the UEdge banking and mobile banking app and are not features of Zelle®. Please contact our Member Service Center with any questions concerning scheduling or recurring payments.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
A: Money sent with Zelle® is typically available to an enrolled recipient within minutes.1
If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes.1
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact our Member Service Center services at (269) 982-4175.
A: Yes! They will receive a notification via email or text message.
A: Keeping your money and information safe is a top priority for United. When you use Zelle® within UEdge mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
A: If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither United 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.
A: Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our Member Service Center (269) 982-4175 and ask them to move your email address or U.S. mobile phone number to United so you can use it for Zelle®.
Once Member Services moves your email address or U.S. mobile phone number, it will be connected to your United account so you can start sending and receiving money with Zelle® through the UEdge mobile banking app and online banking. Please call our Member Service Center toll-free at (800) 922-5221 for help.
 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.  Must have a bank account in the U.S. to use Zelle®.  In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.