First United together with 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 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 minutes¹, Zelle 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.

The short answer is no. You cannot cancel a payment once it has been submitted. Payments that are not claimed (whether manually or automatically) will be cancelled after 14 days.
 

• 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 you 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.

Zelle^® does not report transactions made on the Zelle Network^® to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network^®.

This FAQ is for informational purposes and only relate to the Zelle Network^®. Zelle^® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.

Zelle^® is a payment platform. Zelle^® does not impose taxes on transactions made on its network. If payments you receive on the Zelle Network^® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

This FAQ is for informational purposes and only relate to the Zelle Network^®. Zelle^® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.

Zelle^® does not report any transactions made on the Zelle Network^® to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network^®. If payments you receive on the Zelle Network^® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

This FAQ is for informational purposes and only relate to the Zelle Network^®. Zelle^® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.