Send Money in the Moment with Zelle

Want to take the guesswork out of splitting the cost of the dinner bill with friends? Or maybe you want to save yourself a trip to the ATM when pay­ing the babysitter or dog walker? Now you can with Zelle - a fast, safe, and easy way to send money in minutes 1 to friends, family, and others you trust, right from Redstone online banking or the mobile app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Best of all, Zelle is free for Redstone members.

FAST
Stopwatch

Send money directly from your account to theirs – typically in minutes.1

SAFE
Shield

Send or receive money right from your trusted Redstone mobile app.

EASY
Checkmark

Send money to almost anyone you know and trust2 using just an email address or U.S. mobile phone number.

 

Enroll through Redstone’s Online Banking or the Mobile App:

Getting Started Is Easy.

Getting Started 1   Log into online banking or Redstone’s mobile banking app.

   Online Banking: Go to the Transfers tab and select Send Money with Zelle.®

   Mobile Banking App: Select More from the menu, then tap Send Money with Zelle.®

Getting Started 2  Read and accept the Zelle Terms & Conditions, then enroll your U.S. mobile number or email address.

Getting Started 3  Send money to friends, family, and others you know and trust.2



RFCU together with Zelle



Zelle FAQs

Zelle is a fast, safe, and easy way to send money directly between almost any financial institution 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 trust, regardless of their financial institution.2

You can send money to friends, family, and others you trust.2 Since money is sent directly from your credit union account to another person’s bank or credit union account 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 phone number.

You can send, request, or receive money with Zelle. To get started, log in to Redstone’s online banking or our mobile app. When accessing Zelle inside online banking, select “Pay Other People (Zelle)” from the “Transfers” dropdown menu. To access Zelle inside the mobile app, select the “More” tab and tap “Pay Other People (Zelle).” Next, follow the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply select the email or U.S. mobile phone number of an existing contact. When adding a contact, enter the name and email or U.S. mobile phone number of the person you want to send money to. Add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient 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.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your Redstone account, typically within minutes.1 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 Redstone Federal Credit Union.®
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.

Zelle is a great way to send money to friends, family, and people you are familiar with, such as your personal trainer, babysitter, or neighbor.1 Since money is sent directly from your Redstone account to another person’s bank account within minutes1, Zelle should only be used to send money to people you trust. Neither Redstone Federal Credit Union,® nor Zelle, offers a protection program for any authorized payments made with Zelle - for example, if you authorized and made payment for an item or service and do not receive it, or the item is not as described or as you expected.

It’s easy - Zelle is already available within Redstone online banking or in our mobile banking app! If you have a Redstone account, just check the app or sign in to online banking and follow a few simple steps to enroll with Zelle today.

When you enroll with Zelle through your online banking account or the mobile banking app, your name, Redstone Federal Credit Union, and the email address or U.S. mobile number you enrolled are shared with Zelle (no sensitive account details are shared - those stay with us). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Redstone then directs the payment into your account, all while keeping your sensitive account details private.

Redstone doesn’t charge a fee to send or receive money using Zelle, however standard wireless carrier text message and/or data rates and fees may apply; check with your carrier for more information.4

You can find a full list of participating banks and credit unions which offer Zelle here.

If your recipient's bank or credit union 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.

Redstone Federal Credit Union is replacing Popmoney with Zelle. Click here for frequently asked questions about the transition from Popmoney to Zelle.

No, in order to use Zelle, the sender 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 the Zelle 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 Member Contact Center 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 800-234-1234 so we can help you.

Money sent with Zelle is typically available to an enrolled recipient 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 to your recipient’s account, typically within minutes.1

If your payment is 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? Call our Member Contact Center at 800-234-1234 so we can help you.

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

Keeping your money and information safe is a top priority. When you use Zelle within online banking or the mobile app, your information is protected with the same technology we use to keep your credit union accounts safe.

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 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 Redstone Federal Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle - for example, you authorized and made payment for an item or service and do not receive it, nor the item is not as described or as you expected. For resources and tips on how to pay it safe, visit www.zelle.com/payitsafe.

Chances are your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. You can transfer your email address or U.S. mobile phone number within our mobile app or online. During enrollment, you’ll see a prompt notifying you that the email address or mobile phone number is already enrolled at another institution. You’ll be asked to confirm that you want to complete the transfer and then to verify your email address or U.S. mobile phone number.

You can also call our Member Contact Center at 800-234-1234 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your Redstone checking account so you can use it for Zelle.

Once our Member Contact Center moves your email address or U.S. mobile phone number, it will be connected to your Redstone checking account so you can start sending and receiving money 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 mobile banking app using just their email address or U.S. mobile number.

Neither Redstone Federal Credit Union, 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.


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1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2Must have a bank account in the U.S. to use Zelle. Redstone members must have a Redstone account to send payments using Zelle.

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

4Standard wireless carrier text message and/or data rates and fees may apply; check with your carrier for more information.

Zelle transfers may be sent from a Redstone Federal Credit Union (RFCU®) checking or share savings accounts only. Must be RFCU member to open checking account. Must be eli­gible for membership and open a share savings account to become a member. A minimum balance of $5 is required to open a share savings account and must be maintained in the account at all times. A minimum deposit of $25 is required to open a RFCU checking account. Monthly maintenance fees apply to checking ac­counts and vary per account type. Age and other restrictions apply. Must be 18 years old or older to use Zelle at Redstone Federal Credit Union.

Must have online banking user name and PIN/password to access online banking and mobile banking. Standard wireless carrier text message and/or data rates and fees may apply. Please check with your carrier for more information. Other restrictions may apply.

Popmoney is a registered trademark of Fiserv, Inc. or its affiliates.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are herein under license. Under applicable laws, rules, and regulation, RFCU has certain obligations concerning electronic fund transfers. Beyond such obligations that normally apply to an electronic fund transfer, RFCU does not warrant, guarantee, or insure any transaction made with Zelle or any product or service made by Early Warning Services LLC. RFCU and Early Warning Services LLC, the owner and operator of Zelle, are separate entities.RFCU, Zelle, and Early Warning Services LLC are separate entities.

This credit union is federally insured by the National Credit Union Administration.

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