Q: 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

Q: 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.

Q: 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 choose Move Money then select "Send 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 ® .

Q: How do I send money with Zelle ® ?

You can send, request, or receive money with Zelle ® . After you've enrolled, simply add your recipient's email address or U.S. mobile number, the amount you'd like to send or request, review and add a memo, and hit "confirm." In most cases, the money is typically available in minutes.

Q: 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.

Q: 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, 1 Zelle ® 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 800-324-9375 . If you have any questions around what limits you have with Zelle ® transactions, please email onlinebanking@wafd.com .

Q: Are there any fees to send money using Zelle ® ?

WaFd Bank does not charge any fees to use Zelle ® .

Q: 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. Enroll with Zelle ® —Zelle ® is built into the WaFd app but you still need to enroll your mobile number or email with Zelle ® After verifying your mobile number or email address, you are now ready to send or receive money. When using Zelle ® , make sure you know the person you are sending money to.

Q: 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.

Question 1

What is Zelle^®?

Accepted Answer

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

Question 2

Who can I send money to with Zelle^®?

Accepted Answer

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,¹it'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.

Question 3

How do I use Zelle^®?

Accepted Answer

You can send, request, or receive money with Zelle^®. To get started, log into WaFd Bank's online banking or mobile app and choose Move Money then select "Send 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^®.

Question 4

How do I send money with Zelle^®?

Accepted Answer

You can send, request, or receive money with Zelle^®. After you've enrolled, simply add your recipient's email address or U.S. mobile number, the amount you'd like to send or request, review and add a memo, and hit "confirm." In most cases, the money is typically available in minutes.

Question 5

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

Accepted Answer

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.

Question 6

What are Zelle^® transfer limits?

Accepted Answer

Transfer Details	Limit
Maximum number of transfers per day	15
Maximum number of transfers per month (Rolling 30 day window)	30
Minimum transfer amount	$5
Daily maximum amount for same day transfers	$600
Monthly maximum amount for same day transfers (Rolling 30 day window)	$600
Daily maximum amount for next day or standard transfers	$3,000
Monthly maximum amount for next day or standard transfers (Rolling 30 day window)	$10,000

Question 7

What types of payments can I make with Zelle^®?

Accepted Answer

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 800-324-9375.

If you have any questions around what limits you have with Zelle^® transactions, please email onlinebanking@wafd.com.

Question 8

Are there any fees to send money using Zelle^®?

Accepted Answer

WaFd Bank does not charge any fees to use Zelle^®.

Question 9

How do I get started?

Accepted Answer

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.

Enroll with Zelle^®—Zelle^® is built into the WaFd app but you still need to enroll your mobile number or email with Zelle^®
After verifying your mobile number or email address, you are now ready to send or receive money.
When using Zelle^®, make sure you know the person you are sending money to.

Question 10

How does Zelle^® work?

Accepted Answer

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.

Question 11

Can I use Zelle^® internationally?

Accepted Answer

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

Question 12

Can I cancel a payment?

Accepted Answer

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 800-324-9375 so we can help you.

Question 13

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

Accepted Answer

Money sent with Zelle^® is typically available to an enrolled person 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 800-324-9375 or get in touch through our support page.

Question 14

Will the person I send money to be notified?

Accepted Answer

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

Question 15

Is my information secure?

Accepted Answer

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.

Zelle® Frequently Asked Questions (FAQ)

Zelle^® Frequently Asked Questions (FAQ)