ZELLE. THIS IS HOW MONEY MOVES.®

Zelle makes sending money to friends and family fast, safe and easy!

No long waits — the money moves from account to account with no stops in between and is typically available in minutes.*

Send money to friends, family and others that you know and trust, regardless of where they bank,* with the same security that you expect from GECU. All you need is their email address or U.S. mobile number.

FAST

Send and receive money within minutes.*

SAFE

Do it all from your GECU Mobile App.

EASY

Pay back your buddies, request money and even split expenses.**

GETTING STARTED IS EASY

  1. Log in to your GECU Mobile App.
  2. Select Send money with Zelle® in the "More" tab.
  3. Enroll your U.S. mobile number or email address.
  4. Send money to almost anyone that you know and trust.*

FAQs

WHAT IS ZELLE ?

Zelle is a fast, safe and easy way to send money directly to almost any bank account in the U.S., typically within minutes.* With just an email address or U.S. mobile phone number, you can send money to people that you know and trust, regardless of where they bank.*

WHO CAN I SEND MONEY TO WITH ZELLE ?

You can send money to friends, family and people that you know.* We recommend that you ask people to enroll with Zelle before you send them money — this will help them get your payment more quickly.

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 that you trust, and always ensure that you’ve used the correct email address or U.S. mobile number. Zelle should not be used to send money to people that you don’t know.

HOW DO I GET STARTED?

It’s easy! To get started, log in to your GECU Mobile App and select "Send Money with Zelle®" in the "More" tab. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re finished! We recommend that you enroll before someone sends you money — this will help you get your first payment faster.

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 DO I USE 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 that you’d like to send and an optional memo, review, then hit "Send." In most cases, the money is available to your recipient in minutes.*

To request money using Zelle, choose "Request," select the individual(s) from whom you’d like to request money, enter the amount that you’d like to request, include an optional note, review and hit "Request." In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle.

To receive money using Zelle, 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.*

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select "GECU."
  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.

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 that you will get what you paid for (for example, items bought from an online 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 that you don’t know is high-risk). Zelle does not offer a protection program for any authorized payments made with Zelle — for example, if you do not receive the item that you paid for or if the item is not as described or as you expected. GECU does not offer a protection program for any purchase or sale conducted using Zelle.

ARE THERE ANY FEES TO SEND MONEY USING ZELLE ?

GECU does not charge any fees to use Zelle.**

HOW DOES ZELLE  WORK?

When you enroll with Zelle through the GECU Mobile 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 GECU).

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 GECU of the incoming payment. Then, we direct 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?

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire and the transaction will need to be made again.

If the person that 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 that 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 1.800.772.4328 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 within minutes.* Ask your friends and family to enroll with Zelle before you send them money — this will help them get your payment more quickly.

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 the recipient’s account. Once their first payment completes, your recipient will be able to receive future payments faster.

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 that they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the GECU member-support team a call toll-free at 1.800.772.4328 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 GECU. 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.

WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?

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 and ask them to move your email address or U.S. mobile phone number to GECU so you can use it for Zelle.

Once member support moves your email address or U.S. mobile phone number, it will be connected to your GECU account so you can start sending and receiving money with Zelle. Please call GECU member support toll-free at 1.800.772.4328 for help.

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

*Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile phone number is already enrolled with Zelle. Learn more about how you can join. Click here.
**Payment requests to persons who are not already enrolled with Zelle must be sent to an email address. Sending and receiving money requires enrollment in the service and must be made from a checking account to a domestic bank account or debit card. Not intended for GECU commercial accounts. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Dollar and frequency limits apply. See the Zelle Terms of Service Agreement at gecu.com for details, including cutoff and delivery times. Data connection required. Wireless carrier charges may apply. Certain transfers may take longer to complete. We will send you an email alert with delivery details immediately after you schedule the transfer. The GECU Mobile App is only available on select mobile devices.