Send and receive money with 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. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.²

You can send, request or receive money with Zelle^®.

To get started, log in to Coastal1 Credit Union’s online banking or mobile app, navigate to “Transactions” and select “Send Money With Zelle^®.” Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle^®.

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 note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. In most cases, the money is available to your recipient in minutes.²

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.”  If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

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 Coastal1 Credit Union account, typically within minutes.

Keeping your money and information safe is a top priority for Coastal1 Credit Union.

When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your Coastal1 account safe.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our member support team at 1-800-298-2212 and ask them to move your email address or U.S. mobile phone number to our financial institution so you can use it for Zelle^®.

Once member support moves your email address or U.S. mobile phone number, you will receive a message in your Zelle Activity screen with instructions to complete the transfer. Once completed, it will be connected to your bank account so you can start sending and receiving money with Zelle^® through our banking app and online banking. Please call our member support team at 1-800-298-2212 for help.

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 Coastal1 Credit Union account to another person’s bank account within minutes², 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^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Coastal1 Credit Union 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.

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 Coastal1 Credit Union mobile app using just their email address or U.S. mobile number.

Neither Coastal1 Credit Union 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.

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

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 customer support team at 1-800-298-2212 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 1-800-298-2212 so we can help you.

No, Coastal1 Credit Union does not charge any fees to use Zelle^® in the Coastal1 mobile app.

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

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Coastal1 Credit Union send limits, call our member service at 1-800-298-2212.

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.

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

If your recipient’s financial institution 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.