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Zelle®

Send and Receive Money With Zelle®

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know.

With Zelle®, you can send money directly from your account to enrolled recipients  in minutes, all from the convenience of our online banking experience or mobile app. That’s right – you don’t need to download anything new to send a gift of money to that special someone, split the cost of the dinner bill or request your roommate’s share of the rent.

Start today using just your email address or U.S. mobile number: Simply log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the “Send Money with Zelle®” tab.

 

Login to Online Banking

Login now

 

Don’t have the mobile app?

Download it for free:

 

Download on the Google Play Store

Download on the App Store

 

Follow these simple tips to ensure your money is sent safely:

Know

Only use Zelle® to send money to friends, family and other people you trust.

Verify

Make sure your recipient's name, U.S. mobile phone number and email address are correct before sending money.

Be Aware

If a payment situation feels off, it probably is. Trust your gut and investigate.

Already Enrolled in Bill Pay?

  1. Log in to Bill Pay
  2. Select “Send Money with Zelle®
  3. Accept Terms and Conditions
  4. Select your U.S mobile number or email address and deposit account.

That’s it – You are ready to start sending money with Zelle®

Mobilize your money with Zelle®.

It’s easy

fi-ts-money-bill-wave

Send

Send money fast in just a few steps.

fi-ts-messages-dollar

Request

Settle up with roommates, friends and more, regardless of where they bank[2].

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Split

Easily divide the check for dinner, coffee and more.

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 trust, regardless of where they bank2.

  • 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.

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

    1. To start using Zelle® at Mocse Credit Union, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to Online Banking or our mobile banking app. Locate the “Send Money with Zelle®” tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access “Send Money with Zelle®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.
    2. 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 if they are already enrolled with Zelle®.
    3. To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
    4. To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.
  • 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 Mocse Credit Union.
    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 where you received the notification 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 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.

    Neither Mocse 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.

  • It’s easy — Zelle® is already available within Mocse Credit Union’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.

  • 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.

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

    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 Mocse Credit Union of the incoming payment. Mocse Credit Union 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 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 member services at 209-572-3600 so we can help you.

    Scheduled and recurring payments are not sent with Zelle®. 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 member services at 209-572-3600.

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

  • Keeping your money and information safe is a top priority for Mocse Credit Union. 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.

  • 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 Mocse 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.

  • Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team (209-572-3600) and ask them to move your email address or U.S. mobile phone number to Mocse Credit Union so you can use it for Zelle®.

    Once member support moves your email address or U.S. mobile phone number, it will be connected to your Mocse Credit Union account so you can start sending and receiving money with Zelle® through the Mocse Credit Union mobile banking app and online banking. Please call Mocse Credit Union’s member support toll-free at 209-572-3600 for help.

[1] App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

 

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

 

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

 

[2] 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®.

 

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

 

Payment requests to persons not already enrolled with Zelle® must be sent to an email address.

 

Mobile network carrier fees may apply.

Copyright © Fiserv. All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license