General (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.

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

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.

³Must be at least 18 to use Zelle.

You can send money to friends, family and others you trust².

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

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.

³Must be at least 18 to use Zelle

You can send, request, or receive money with Zelle.

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

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 be enrolled with Zelle.

⁴Must be at least 18 to use 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:

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

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

²Must be at least 18 to use 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 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 Academy Bank 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.

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

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.

³Must be at least 18 to use Zelle

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

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.

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

When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with your financial institution).

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 your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

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

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

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

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 contact Academy Bank's customer service.

Scheduled and recurring payments are features provided by Academy Bank in our online banking and mobile banking app and are not features of Zelle. Please contact Academy Bank's customer service at 877-712-2265 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.

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 contact Academy Bank's customer service at 877-712-2265.

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

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

²Must be at least 18 to use Zelle

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 Academy Bank 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.

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

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 your financial institution 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 bank account so you can start sending and receiving money with Zelle through your financial institution's mobile banking app and online banking. Please call Academy Bank's customer service at 877-712-2265 for help.