Zelle is one of the easiest and fastest ways to send and receive money in the U.S. Whether you’re splitting a dinner bill with friends or paying your share of the rent, Zelle lets you move money directly between bank accounts, usually within minutes. If you’re new to Zelle and wondering how to get started, here’s a simple step-by-step guide.
What Is Zelle?
Zelle is a peer-to-peer (P2P) payment service integrated with many U.S. banks and credit unions. It allows users to send and receive money using just an email address or U.S. mobile phone number — no cash, checks, or wire transfers needed.
Step 1: Check if Your Bank Supports Zelle
Many major banks and credit unions already include Zelle in their mobile banking apps. Some of the big names include:
Bank of America
Chase
Wells Fargo
Capital One
PNC
U.S. Bank
To check:
Go to Zelle’s official website and click “Get Started.” Enter your bank’s name to see if it’s a partner.
Step 2: Access Zelle Through Your Bank (If Supported)
If your bank supports Zelle:
Open your bank’s mobile app or log in through its website.
Look for “Send Money with Zelle” or a similar option.
Enroll by linking your U.S. phone number or email address.
Add the bank account you want to use for sending/receiving money (if not already linked).
You’re good to go — no need for a separate Zelle app!
Step 3: Download the Zelle App (If Your Bank Doesn’t Support It)
If your bank doesn’t offer Zelle, you can still use it by:
Downloading the Zelle app from the App Store (iOS) or Google Play (Android).
Registering your U.S. mobile number or email.
Linking a U.S. debit card (you must have a Visa® or Mastercard® debit card tied to a U.S. checking account).
Note: Zelle does not work with international cards, credit cards, or business debit cards.
Step 4: Start Sending or Receiving Money
Once you’re set up:
To send: Enter your recipient’s email or U.S. phone number, enter the amount, and hit send.
To receive: Share your linked email or phone number with the sender. You’ll get a notification when the money arrives.
Funds typically transfer in minutes between enrolled users.
A Few Things to Keep in Mind
Zelle is for personal use — not recommended for paying strangers or for business transactions unless your bank allows Zelle for business accounts.
Double-check your recipient’s info — once you send money, it’s nearly impossible to reverse.
There are no fees to use Zelle through most banks or the Zelle app itself.
Final Thoughts
Getting a Zelle account is quick and easy — especially if your bank already supports it. It’s a great tool to streamline everyday payments, so once you’re set up, sending money becomes as easy as sending a text.
