Send and receive money with Zelle^®

Zelle^® Frequently Asked Questions
 

What is Zelle^®?

Zelle^® is a fast and easy way to send and receive money with family, friends, and other people you know and trust¹. You can send money to people you trust with an eligible U.S. bank based bank account using their email address of U.S. mobile phone number.

How does Zelle^® work?

When you enroll with Zelle^® through your digital 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^®.

When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or U.S. mobile number in its "directory" and notifies TDECU of the incoming payment. TDECU then directs the payment into your bank account.

Who can I send money to with Zelle^®?

For your protection, you should only use Zelle^® to send money to people you know and trust.  You must also ensure that you are using the correct email address or U.S. phone number. The money is sent directly from your bank account to another person's bank account and can only be canceled if the recipient has not yet enrolled with Zelle^®.

What protections do I have when I use Zelle^®?

Neither TDECU nor Zelle^® offers a protection program for any authorized payments made with Zelle^®-- for example, if you do not receive the item you purchased or the item is not as described or as you expected.  You do not have the same protections associated with a credit card or debit card transaction.

Can I cancel a payment?

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 you do not see this option available, please contact our Member Care team at (800) 839-1154 for assistance with canceling the pending 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 is 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, please immediately call our Member Care team. 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 you do not see this option available, please contact our Member Care team at (800) 839-1154 for assistance with canceling the pending 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, please immediately call our customer support team at (800) 839-1154 so we can help you.

Should I use Zelle^® to pay someone I do not know?

If you do not know the person or you are not sure you will receive what you paid for (for example, items purchased from an online bidding or sales site)-- you should not use Zelle^®. These types of transactions are potentially high risk just like sending cash to a person you do not know is high risk. Neither TDECU 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.  

For resources and tips on how to pay it safe, you should visit: https://www.zellepay.com/financial-education/pay-it-safe 

What if I accidentally send money to the wrong person?

Sending funds with Zelle^® is like using cash and you may not be able to get your money back (For more information, see the Zelle^® Payment Terms.) Before sending any money, make sure your recipient's contact information is correct and the recipient is someone you know and trust. If you sent money to the wrong person, we recommend contacting the recipient and requesting the money be returned.

How do I get started?

It is easy — Zelle^® is already available within TDECU Digital Banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

How do I enroll with Zelle^®?

To get started, log in to TDECU Digital Banking and navigate to the "Send Money with Zelle^®" tab.

To enroll:

1. Read and accept the terms and conditions.
2. Provide your email address or U.S. mobile number and select your TDECU deposit account.
3. Receive a one-time verification code.
4. Enter the code.
5. Start sending and receiving with Zelle^®.

How do I send money with Zelle^®?

To send money using Zelle^®:

1. Add a trusted recipient's email address or U.S. mobile phone number.
2. Enter the amount you would like to send and an optional note.
3. Carefully review the information.
4. Enter the code.
5. Hit "Send."

How do I request money with Zelle^®?

To request money using Zelle^®:

1. Choose "Request."
2. Select the individual from whom you would like to request money.
3. Enter the amount you would like to request.
4. Include any optional notes.
5. Carefully review the information.
6. Hit "Request."²

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

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^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

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 TDECU.
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.

Will I be charged any fees for sending money using Zelle^®?

TDECU does not charge any fees for sending money using Zelle^®.¹ However, your mobile carrier's message and data rates may apply as well as other fees related to your account still apply (e.g., Courtesy Pay, Stop Payment, NSF Fees, etc.).

What if I want to send money to someone whose financial institution does not offer Zelle^®?

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

If your recipient's financial institution is not on the list, do not 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.

Can I use Zelle^® internationally?

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

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

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.

If you send money to someone who is not enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.

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 are waiting to receive money, you should check to see if you have received a payment notification via email or text message. If you have not 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 Care at (800) 839-1154.

Will the person I send money to be notified?

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

What if I get an error message when I try to enroll an email address or 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 Member Care at (800) 839-1154 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 TDECU Digital Banking account. Please call Member Care at (800) 839-1154 for help.

Are there any transaction limits with Zelle^®?

For your security, we limit the amount of money that can be sent on a daily and monthly basis:

Transaction Limits: $1,500
Daily Limit: $1,500
Monthly limit: $2,000
Outstanding Limit: $2,000
Instant Daily: $1,000
Instant Monthly $1,500