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Zelle® FAQs

  • What is Zelle®?

    Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.

  • Who can I send money to with Zelle®?

    You can send money to friends, family and others you trust.

    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.

  • How do I use Zelle®?

    You can send, request, or receive money with Zelle. To get started, log into the F&M Trust mobile banking app and select “Send Money with Zelle®” by tapping the “+” in the task menu to start enrollment. 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.

    To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add 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 minutes1.

    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.

  • Someone sent me money with Zelle®, how do I receive it?

    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 minutes1.

    If you have not yet enrolled with Zelle, follow these steps:

    1. Click on the link provided in the payment notification you received via email or text message.
    2. Select F&M Trust
    3. 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 to ensure you receive your money.
  • What types of payments can I make with Zelle®?

    Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.   

    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.

    Zelle does not offer 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. Also, F&M Trust does not offer a protection program for any authorized payments made with Zelle.

  • Are there any fees to send money using Zelle®?

    F&M Trust does not charge any fees to use Zelle4.

  • How do I get started?

    It’s easy — Zelle is already available within the F&M Trust mobile banking app! Check our app and follow a few simple steps to enroll with Zelle today.

    Note: If you do not have the F&M Trust mobile banking app, you must first enroll in online banking on our website fmtrust.bank. Once you are enrolled in online banking, you can download the F&M Trust mobile banking app from the Apple App store or Google Play.

  • What if I want to send money to someone whose bank doesn't offer Zelle®?

    You can find a full list of participating banks and credit unions live with Zelle here.

    If your recipient’s bank 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.

  • How does Zelle® work?

    When you enroll with Zelle through the F&M Trust 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 F&M Trust). 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 F&M Trust of the incoming payment. F&M Trust then directs the payment into your bank account, all while keeping your sensitive account details private.

  • Can I use Zelle® internationally?

    In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

  • Can I cancel a payment?

    If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

    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 us at 888-264-6116 so we can help you.

  • How long does it take to receive money with Zelle®?

    Money sent with Zelle is typically available to an enrolled recipient within minutes1.

    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 minutes1.

    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 give the F&M Trust customer support team a call toll-free at 888-264-6116 or get in touch through our support page.

  • Will the person I send money to be notified?

    Yes! They will receive a notification via email or text message.

  • Is my information secure?

    Keeping your money and information safe is a top priority for F&M Trust. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

  • I'm unsure about using Zelle®to pay someone I don't know. What should I do?

    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). Zelle does not offer 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. Also, F&M Trust does not offer a protection program for any authorized payments made with Zelle.

  • What if I get an error message when I try to enroll an email address of U.S. mobile number?

    Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to F&M Trust so you can use it for Zelle.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help.

1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2Must have a bank account in the U.S. to use Zelle.  

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.

4Mobile carrier fees may apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

 

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