P2P is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

You can send money to friends, family and others you trust².

Since money is sent directly from your bank account to another person’s bank account within minutes¹, 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.

You can send, request, or receive money with P2P. To get started, log into your digital banking app and select “Move Money” from the menu button at the bottom left of the screen. Choose “Start a New Transaction”, and then choose “P2p” from the “Choose an Account”.  From there, choose an account to send money from, then choose a recipient by clicking “Add New Payee” and then choosing “Person to Person.”  Enter their name, and then payment method which will be the recipient’s email address or U.S. mobile phone number. This will send a text message containing  a registration link to the phone number provided. The recipient will use the link to visit a secure site to enter debit card details needed for payment to process.

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.” In most cases, the money is available to your recipient in minutes¹.

To request money using Zelle, choose “Request,” select the individual(s) 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 P2P, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with P2P, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select your financial institution.
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 P2P using that email address or U.S. mobile number to ensure you receive your money.

P2P is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor².

Since money is sent directly from your bank account to another person’s bank account within minutes¹, P2P should only be used to send money to friends, family and others you trust.

P2P does not offer a protection program for any authorized payments made with P2P  – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

It’s easy – P2P  is already available within your digital banking app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with P2P today.

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 P2P  by downloading the P2P app for Android and iOS.

To enroll with the P2P  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). P2P does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with P2P  through your digital banking app or online banking, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with P2P  (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile number, P2P  looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use P2P, 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 P2P . 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 the person you sent money to has already enrolled with P2P , 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 contact your financial institution’s customer service.

Money sent with P2P  is typically available to an enrolled recipient within minutes¹.

If you send money to someone who isn’t enrolled with P2P, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes¹.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with P2P  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? Please contact your financial institution’s customer service.

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 our mobile app or online banking, your information is protected with the same technology we use to keep your bank account 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 P2P  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). P2P  does not offer a protection program for any authorized payments made with P2P  – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with P2P  at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for P2P .

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with P2P  through your financial institution’s mobile banking app and online banking. Please call your financial institution’s customer service for help.