Zelle®

Zelle® is a fast and easy way to send money to those you know and trust with a bank or credit union account in the U.S. Zelle® can be used to send money to people at the same or different financial institutions in the U.S.

Adult members (19 years of age and older) with a Membership Savings Account, eligible checking account, and A+ Mobile App will be able to utilize Zelle® to send and receive money.

The following checking accounts are eligible:

• Cash-Back Checking
• A+ Checking
• Value Checking

You can send, request, or receive money with Zelle®. To get started, log in to the A+ Mobile App and select Transfers & Payments > Send Money With Zelle®. Enroll using your U.S. mobile number or email address.

Send Money

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

Request Money

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review, and tap Request. If the person you’re 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.

Receive Money

To receive money from someone you trust, just share your enrolled email address or U.S. mobile number and ask them to send you money with Zelle®. If you’ve already enrolled with Zelle®, you don’t need to take any further action. The money will be sent directly into your A+FCU checking account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

1. Verify that the money is from someone you know and trust before you do anything.
2. If you’ve verified the information and that they intended to send you money, click on the link provided in the payment notification you received via email or text message.
3. Select A+ Federal Credit Union (A+FCU).
4. 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 (if you own that email or U.S. mobile number) to ensure you receive your money.

Once you’re enrolled, future payments will move directly into your A+FCU checking account. You won’t need to do anything to accept the funds, they’ll automatically be available in your account.

Zelle® is a great way to send money to family, friends, and people you’re familiar with such as your personal trainer, babysitter, or neighbor.*

Since money is sent directly from your A+FCU checking account to another person’s bank account within minutes,* 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’ll 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).

A+FCU and Zelle® do not offer members/customers any protection for authorized payments through the Zelle® Payments Service (for example, coverage for non-receipt, damaged, or not-as-described claims related to the purchase of goods and/or services).

When you use Zelle® within the A+ Mobile App, your information is protected with the same technology we use to keep your accounts safe.

Please note: Imposters may request a payment through Zelle®. Neither A+FCU nor Zelle® offer a protection program for any authorized payments made with Zelle®. Therefore, exercise caution when using Zelle®, and only make payments to those you know and trust.

There’s no fee to send or receive money with Zelle® using our A+FCU mobile app.

Although A+FCU does not charge a fee to send or receive money via Zelle®, there may be situations where using Zelle® may incur charges. Please see below:

• If you send a transaction for which you have insufficient funds to cover the transaction, non-sufficient funds (NSF) fees may apply.

Standard internet or text messaging fees may apply.

For your security, A+FCU restricts the number of transactions and the dollar amount you can send and receive in any 24-hour period.

Sending Money

• Amount per transaction: $500 limit
• Amount per processing day: $500 limit
• Minimum $0.01 transfer amount
• Maximum of 2 transactions per day, 4 transactions per week, and 16 transactions per month

Receiving Money

• No limits on the amount of money received (other financial institutions may have restrictions)

Restrictions:

• No international transactions
• No youth accounts
• No business accounts

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, log in to the A+ Mobile App > Transfers & Payments. From there, go to the Activity page, choose the payment you want to cancel, and 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 within minutes and cannot be cancelled.

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

Call us immediately at 512.302.6802 so we may assist.

Call us immediately at 512.302.6802 so we may assist.

Can I enroll multiple bank/credit union accounts with Zelle®?

Yes, but you must use a different email address or U.S. mobile number for each bank/credit union account you enroll with Zelle®. Since your email address or U.S. mobile number is a unique identifier that tells us where to deposit your money, you need a different email address or U.S. mobile number for each account enrolled

I tried enrolling with Zelle® but received a message saying I was already enrolled.

The email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union or in the Zelle® app. In order to enroll, you need to use an email address or U.S. mobile number that is not associated with another Zelle® account.

How can I tell if the person I sent money to has received it?

After you log in to the A+ Mobile App, tap Transfers & Payments > Send Money With Zelle® > Activity. If the payment is listed as “Pending”, the recipient has not yet enrolled with Zelle® and has not received the money. If the payment is listed as “Completed”, the money has been sent to the recipient.

My friend said they sent me money, but I didn’t get a notification. What do I do?

Have the friend verify the email and/or U.S. mobile number they sent the money to. If it is the one associated with your Zelle® account at A+FCU, have them reach out to their financial institution for assistance.