This is how money moves.®

Introducing Zelle® – a fast, safe and easy way to send money in minutesto your friends and family, right from the First United mobile banking app! Zelle makes it easy to send money to or receive money from people you trust – no matter where they bank2.

Find Zelle in our mobile app or visit our Personal Mobile Banking page to download the mobile app to begin using Zelle.

 

FAQ

Send money the way it was meant to be sent

  • Fast – Send money directly from your account to theirs, typically within minutes. 1
  • Safe – Send or receive money securely using our Personal Mobile Banking app.
  • Easy – Send money to almost anyone you know2 using just an email address or U.S. mobile phone number.

Find Zelle in our Personal Mobile app

Log in and go to your menu. Scroll down until you see “Send Money with Zelle.®” Then, enroll with your U.S. mobile number or email address to get started.

Send.

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 would like to send and an optional memo, review, then hit “Send.”

Request.

Send your friend a request and a way to pay you back directly with Zelle. Just enter their U.S. mobile number or email address, the amount they owe you, and hit send (if your friend isn’t enrolled yet, you can only send a request using their email address). When your friend responds, the money will appear in your First United account.

Split.

Zelle makes it easy to quickly split the bill with a built-in calculator. Just tap the ‘split’ button, select the people in your group and enter the total amount you want to split. Zelle sends a request to everyone for their share. (Please note, if your friend isn’t enrolled yet, you can only send a request using their email address).

Send money in the moment.

WHEN YOU’RE BUYING MOM’S GIFT

Buy a gift for mom and get paid back fast without having to bug your siblings.

WHEN RENT IS DUE BUT YOUR ROOMMATE’S ON THE ROAD

Use Zelle to get rent without calling a house meeting.

WHEN IT’S TIME TO SETTLE-UP WITH THE SITTER

Move money from your account to theirs within minutes1.

YOUR FRIEND FORGOT HIS WALLET BUT NOT HIS PHONE

Don’t worry about covering your friends. Zelle lets you request money and get paid back quickly.

Download the App

Select the proper account for your device and click the link below from your device!

Notice Effective May 15, 2019

Our Mobile Banking Application has been upgraded to offer you the best Zelle ® has to offer! New Mobile Banking users can simply download our Mobile Banking app for the first time, while existing users will need to uninstall and re-download the app in order to use Zelle.

Download for Apple iPhone

Download for Apple iPad

Download for Android

Download for Android Tablets

We are dedicated to giving you a powerful (and powerfully secure) experience online, every time.

Disclosures

1  To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle.
2  Must have a bank account in the U.S. to use Zelle.
3  Mobile carrier fees may apply.

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

Message and data rates may apply; contact your cellular provider for information on your mobile contract. Most smart phones are supported by My Bank Mobile, but some limitations may exist. Call us at 1-888-692-2654 if you are experiencing any issues.

Zelle Terms & Conditions

Frequently Asked Questions

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 know and trust, regardless of where they bank2. Ask your recipient to enroll with Zelle before you send them money – this will help them get your payment more quickly.

You can send money to friends, family and people you know2. We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly. 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. Zelle should not be used to send money to people you don’t know or to purchase goods.

You can send, request, or receive money with Zelle. To get started, log into the First United 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 finished.

  • 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 memo, 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”.**
  • 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.

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

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 First United Bank & 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 with that email address or U.S. mobile number to ensure you receive your money.

Zelle is a great way to send money to family, friends, and people you are familiar with such as a babysitter or neighbor2. Since money is sent directly from your bank account to another person’s bank account within minutes1Zelle should not be used to send money to people you don’t know or trust. Zelle should not be used for the purchase of goods. Neither Zelle nor First United offer a protection program if you do not receive what you paid for or the item you receive is not as described or as you expected.

First United does not charge any fees to use Zelle3.

Limits are dependent on how you initiate your account opening, such as within a branch or online. Limits are set to protect you from fraudulent activity. Please contact our Customer Care Center call toll-free at 1-888-692-2654 with any questions.

It’s easy — Zelle is already available within the First United mobile banking app! Check out our app and follow a few simple steps to enroll with Zelle today. We recommend you enroll before someone sends you money – this will help you get your first payment faster. 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.

When you enroll with Zelle through the First United 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 First 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 First United of the incoming payment. First United then directs the payment into your bank account, all while keeping your sensitive account details private.

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

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 know and 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 1-888-692-2654 so we can attempt to assist you further. There is no guarantee that can cancel the payment and get your money back.

Money sent with Zelle is typically available to an enrolled person within minutes1. Ask your friends and family to enroll with Zelle before you send them money – this will help them get your payment more quickly.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, it may take between 1 and 3 business days for your recipient to receive their first payment. This is a security feature of Zelle designed to protect you when you’re sending or receiving money with Zelle. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes1.

If it has been more than three days, 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 Customer Care Center call toll-free at 1-888-692-2654 or get in touch using the Contact Us page on our website.

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

Keeping your money and information safe is a top priority for First United. When you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line 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 Zelle nor First United offer a protection program for any purchase or sale conducted using Zelle.

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 First United 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 First United account, so you can start sending and receiving money with Zelle. Please contact our Customer Care Center call toll-free at 1-888-692-2654 so we can attempt to assist you further.

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