Zelle^®

What is Zelle^®?

Zelle^® is a fast, safe, and easy way to send and receive money to and from friends, family, and others you trust, even if they use a different financial institution than you¹. All you need is your recipient’s email address or U.S. mobile number, and money will be sent directly from your account to theirs in minutes¹. No account numbers are shared.

 

I want to enroll in Zelle^® now. How do I do that?

If you want to enroll in Zelle^®, you can simply log in to online or mobile banking and select “Pay With Zelle^®” and then select “Enroll.”

You will register with your email address and/or U.S. mobile number. 

 

Someone is sending me money, but I am not enrolled with Zelle^® yet. How do I do that?

Simply follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Avadian 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 to ensure you receive your money.

 

How do I use Zelle^®?

You can send, request, or receive money with Zelle^®. To get started, log in to Avadian’s mobile app or online banking, and select “Pay With Zelle^®” from the main menu or the “quick actions” menu.

To send money using Zelle^®, (1) simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), (2) add the amount you’d like to send (and an optional note), review, (3) then hit “Send.”

NOTES on entering your recipient's information:

• Do not include a leading 1 at the beginning of the phone number.
• You must enter a first and last name (i.e. "Donna Smith" instead of "Mom").
• The recipient's date of birth will be required.

The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, (1) choose “Request,” (2) select the individual from whom you’d like to request money, (3) enter the amount you are requesting, include an optional note, review, and (4) hit “Request.”

NOTE: 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.

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 Avadian account, typically within minutes.

 

I already use the Zelle^® app with my Avadian card. How will that work?

Once you enroll with Zelle^® through the Avadian app, the Zelle^® app will automatically redirect you to the Avadian app any time you open the Zelle^® app.

 

I’m having a problem enrolling my email address and/or mobile number with Zelle^®. Why?

1. Your email address or mobile number is already associated with Zelle^® at a different financial institution. You may only use Zelle^® with one financial institution for each mobile number or email address.
2. Your mobile number must be based in the United States. International phone numbers and U.S.-based landlines are not accepted.

To change your enrollment from one financial institution to Avadian, your email address or U.S. mobile number must be removed from the financial institution where it was originally enrolled. To do that, contact the account support team at that financial institution and ask them to remove that email address or phone number. Please call Avadian Credit Union Member Services toll-free at 1.888.AVADIAN (1.888.282.3426) for help.

 

Is my information secure?

Keeping your money and information safe is a top priority for Avadian. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your Avadian account safe.

 

To whom can I send money with Zelle^®?

Zelle^_® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor¹.

Since money is sent directly from your Avadian account to another person’s account within minutes¹, Zelle^® should only be used to send money to friends, family, and others you trust.

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^®. The risk in these transactions is potentially high (just as sending cash to a person you don’t know is high-risk).

Neither Avadian 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 expected.

 

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

Avadian offers you protections in the unlikely event an unauthorized user accesses your consumer accounts and initiates payments using Avadian’s online or mobile banking platform. However, because Zelle^® is intended to replace instances where cash and checks are being exchanged, you may not have the same protections associated with a credit card or a debit card transaction, such as the ability to dispute purchase transactions. Once you send money with Zelle^®, you cannot cancel the payment if your recipient has already enrolled. Neither Avadian 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 expected.

We recommend you only send money to known and trusted recipients when using Zelle^®.

 

Can I pay a small business with Zelle^®?

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from your Avadian mobile app or online banking using just their email address or U.S. mobile number.

Neither Avadian nor Zelle^® offers a protection program for any authorized payments made with Zelle^®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

 

Can I use Zelle^® internationally?

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

 

Can I cancel a payment?

You can only cancel a payment if the person to whom you sent money has not 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 under Zelle^® in the main menu or quick actions menu, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact Member Services at 1.888.AVADIAN (1.888.282.3426) for assistance with canceling the pending payment.

If the person to whom you sent money has already enrolled with Zelle^®, the money is sent directly to their account and cannot be canceled. This is why it’s important only to send money to people you trust – and always ensure you’re using the correct email address or U.S. mobile number when sending money.

 

Are there any fees for sending money using Zelle^®?

No, Avadian does not charge any fees to use Zelle^® in the Avadian app or online banking.

Your mobile carrier’s messaging and data rates may apply.

 

Are there any limits for sending and receiving money with Zelle^®?

The amount of money you can send, as well as the frequency with which you can send money, is set by each participating financial institution. To learn Avadian’s limits, please call Member Services at 1.888.AVADIAN (1.888.282.3426).

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

 

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle^®?

You can find the full list of participating banks and credit unions using Zelle^® here.

If your recipient’s financial institution is not 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 or iOS.

To enroll with the Zelle^® app, your recipient will enter basic information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.-based account (does not apply to U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

¹U.S. checking or savings account required to use Zelle^®. Transactions between enrolled customers typically occur within minutes.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.