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How to Connect Zelle to a Bank Account

Zelle is a fast, easy, and free way to send money directly between bank accounts. With over 1,800 banks and credit unions in the Zelle network, it’s one of the most widely used peer-to-peer payment services. Here’s a step-by-step guide on how to connect Zelle to your bank account.

Check if Your Bank Offers Zelle

The first step is to check if your bank or credit union already offers Zelle integrated into its mobile banking app or website. Over 75% of U.S. bank account holders already have access to Zelle through their existing bank.

To check, simply log into your bank’s mobile app or website and look for the Zelle logo or mention of Zelle. If you see it, you likely can enroll directly through your bank.

Here are some of the major banks that currently offer Zelle:

  • Bank of America
  • Capital One
  • Chase
  • Citi
  • PNC Bank
  • Truist
  • U.S. Bank
  • Wells Fargo

And over 1,700 more banks and credit unions. See the full list of participating banks.

Enroll Through Your Banking App

If your bank offers Zelle, enrolling will only take a few minutes.

Follow these steps:

  1. Log into your bank’s mobile app
  2. Find the Zelle logo or mention of Zelle
  3. Follow the prompts to enroll your email address or U.S. mobile number
  4. Accept the terms and conditions
  5. You’re enrolled!

Once enrolled, you can start sending money instantly to friends and family.

Download the Zelle App

If your bank does not yet offer Zelle, don’t worry! You can still use Zelle by downloading the Zelle app for iOS or Android.

To enroll through the Zelle app:

  1. Download and open the Zelle app
  2. Enter your basic personal information
  3. Link a Visa or Mastercard debit card to your account
  4. Accept terms and conditions
  5. You’re ready to start sending money!

The Zelle app allows you to instantly send money to friends and family at other banks. However, money sent to you goes into your linked debit card account instead of directly into your bank account.

Connect Multiple Bank Accounts

Each Zelle profile can only be connected to one bank account or debit card. However, you can enroll multiple Zelle profiles by using separate email addresses or mobile numbers for each.

For example:

This allows you to transfer money between accounts or debit cards enrolled with separate Zelle profiles.

Send Money

Once connected, sending money with Zelle is fast and easy:

  1. Open your banking app or the Zelle app
  2. Select “Send Money”
  3. Enter the recipient’s email address or U.S. mobile number
  4. Enter the amount to send
  5. Select “Send”

That’s it! The money will go directly into your recipient’s bank account, usually within minutes.

Receive Money

To receive money, the sender just needs your email address or U.S. mobile number.

If you’re already enrolled, money sent to you lands directly in your connected bank account, typically in minutes.

If you aren’t enrolled yet, you’ll get a notification with instructions on how to receive the money. Just select your bank, enroll, and accept the money.

So there you have it! With just a few quick steps, you can start connecting Zelle to your bank account to send and receive money instantly. Give it a try today!

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