Zelle is a fast, safe and easy way to send money directly between almost any two bank accounts in the U.S., typically within minutes. All you need is an email address or U.S. mobile phone number for your recipient.

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

Since money is sent directly from your bank account to another person’s bank account within minutes, it’s important to only send money to people you trust, and always ensure you have the correct email address or U.S. mobile number.

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

Zelle is available for Verve member checking and savings accounts. It is not available for business checking accounts. To enroll, you must be a U.S. citizen, at least 18 years of age and have a valid U.S. mobile number or email address.

You can find a full list of participating banks and credit unions that use Zelle here.

If your recipient’s bank isn’t on the list, they can still sign up directly with Zelle. They will download the Zelle app, enter their contact information and provide a Visa® or Mastercard® debit card with a U.S.-based account.

Right now, only senders and recipients with U.S. bank accounts can use Zelle.

You can only cancel a payment if the person you sent money to hasn’t enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t enrolled, go to your Activity page, choose the payment you want to cancel and select “Cancel This Payment.” If you don’t see this option, call us at 800.448.9228. Please note, there is a $15 fee to cancel this payment.

If the person you sent money to is already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled by Verve or Zelle. 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—Verve and Zelle cannot remove the money from the recipient’s account after you send it.

When you use Zelle within the Verve mobile app or within online banking, your information is protected with the same technology we use to keep your bank account safe. Be sure to only send money to people you know. If anyone calls you claiming to be from Verve or Zelle and asks for your personal information, do not give them any information. Instead, call 800.448.9228 and we can review your account to make sure there aren’t any suspicious transactions.

Validation codes can only be sent via text message or email so if you are trying to use a phone number that cannot receive texts (such as a work number or landline) or an email you no longer have access to, you won’t be able to validate it and use it for Zelle payments.