Send Money in the Moment with Zelle®
Right from your WaFd Bank Mobile App
Zelle® is fast, safe and easy way to send money typically in minutes1 to your friends and family, right from the WaFd Bank mobile app. When you use the WaFd Bank mobile banking app, Zelle is already available on your phone. Zelle makes it easy to send to or receive money from people you trust – no matter where they bank.2 Find Zelle here in your WaFd Bank app.
Send money the way it was meant to be sent.
Receive money directly in your account typically within minutes.1
Send or receive money right from your WaFd Bank app.
Send money using just an email address or U.S. mobile number.
Find Zelle here in your WaFd Bank app.
Log in and go to your menu. Scroll down until you see “Send Money with Zelle®.” Then, enroll with your U.S. mobile number or email address to get started.
Send. Select a contact or type in the U.S. mobile number or email address of the person with whom you’d like to send money. Remember to only send money to people you know and trust. Enter the amount you’d like to send and, if you want, add a note. Tap send and you’re done.
Zelle makes it easy to quickly split the cost of the bill with a built-in calculator.3 Just tap the ‘split’ button, select the people in your group and enter the total amount you want to split. Zelle sends a request to everyone for their share.
Your friend forgot his wallet but not his phone
Don’t worry about covering your friends. Zelle lets you request money and get paid back quickly.3
When it's time to settle-up with the sitter
Move money from your account to theirs typically within minutes.1
What is Zelle?
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 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 bank.2
Who can I send money to with Zelle?
You can send money to friends, family and people you know.2
Since money is sent directly from your bank account to another person’s bank account typically within minutes,1 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 only be used to send money to friends, family or others you trust
How do I use Zelle?
You can send, request, or receive money with Zelle. To get started, log into WaFd Bank's online banking or 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 typically in minutes.1
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”.3
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.
Someone sent me money with Zelle, how do I receive it?
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 minutes.1
If you have not yet enrolled with Zelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select WaFd Bank.
- 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 to ensure you receive your money.
What types of payments can I make with Zelle?
Zelle is a great way to send money to family, friends, and people you are familiar with such as your babysitter or neighbor.2
Since money is sent directly from your bank account to another person’s bank account typically within minutes,1Zelle should not be used to send money to people you don’t know or trust.
Zelle should only be used to send money to friends, family or others you trust. Neither WaFd 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. Please contact us with questions 1-800-324-9375.
If you have any questions around what limits you have with Zelle transactions, please email email@example.com.
Are there any fees to send money using Zelle?
WaFd Bank does not charge any fees to use Zelle.
How do I get started?
It’s easy — Zelle is already available within WaFd Bank's mobile banking app and online banking! 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 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.
How does Zelle work?
When you enroll with Zelle through the WaFd Bank 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 WaFd Bank). 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 WaFd Bank of the incoming payment. WaFd Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
Can I use Zelle internationally?
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
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 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 1-800-324-9375 so we can help you.
How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled person typically within minutes.1
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 into your recipient's account.
If your payment is still 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 give the WaFd Bank customer support team a call toll-free at 1-800-324-9375 or get in touch through our support page.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
Is my information secure?
Keeping your money and information safe is a top priority for WaFd Bank. 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.
I’m unsure about using Zelle to pay someone I don’t know. What should I do?
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 WaFd 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.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or US mobile phone number may already be enrolled with Zelle at another bank or credit union. During enrollment, you may be asked if you want your email address or U.S. mobile phone number moved over to WaFd Bank. You will need to choose to have your U.S. email address or phone number moved over to WaFd Bank if either your email or phone are already enrolled at another bank or credit union.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your WaFd Bank account so you can start sending and receiving money with Zelle. Please call WaFd Bank customer support toll-free at 1-800-324-9375 for help.
1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Additional restrictions apply; for more information please review our Personal Online and Mobile Banking Agreement.
2 Must have a bank account in the U.S. to use Zelle.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled in Zelle.
4 Mobile carrier fees may apply.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.