Zelle 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 know and trust, regardless of where they bank2. Ask your recipient to enroll with Zelle before you send them money - this will help them get the payment more quickly.
You can send money to friends, family, and people you know2. We recommend you ask people to enroll with Zelle before you send them money - this will help them get your payment more quickly.
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. Zelle should not be used to send money to people you don't know or to purchase goods.
You can send, request, or receive money with Zelle®. To get started, log into First Commerce Bank's mobile app and select "Send money with Zelle."
Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re finished.
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 memo, 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”.
In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled in Zelle.
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 bank account, typically within minutes1.
If you have not yet enrolled with Zelle, follow these steps:
Zelle is a great way to send money to family, friends, and people you are familiar with such as your babysitter, or neighbor2.
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should not be used to send money to people you don't know or trust.
Zelle should not be used for the purchase of goods. Neither Zelle nor First Commerce Bank offer a protection program if you do not receive what you paid for or the item you receive is not as described or as you expected.
First Commerce Bank does not charge any fees to use Zelle3.
It's easy — Zelle is already available within First Commerce Bank's mobile banking app! Check our app and follow a few simple steps to enroll with Zelle today. We recommend you enroll before someone sends you money — this will help you get your first payment faster.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient's bank isn't on the list, don't worry! The network 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.
When you enroll with Zelle through the First Commerce Bank app, your name, the name of your bank and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Commerce Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies First Commerce Bank of the incoming payment. First Commerce Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
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 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 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 know and 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 855-FCB-OPEN so we can help you.
Money sent with Zelle is typically available to an enrolled person within minutes1. Ask your friends and family to enroll with Zelle before you send them money – this will help them get your payment more quickly.
If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, it may take between 1 and 3 business days for your recipient to receive their first payment. This is a security feature of Zelle designed to protect you when you’re sending or receiving money with Zelle. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes1.
If it has been more than three days, 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? Please give the First Commerce Bank customer support team a call toll-free at 855-FCB-OPEN (during normal business hours) or 877-702-6985 (after hours) or get in touch through our support page.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for First Commerce Bank. 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 on-line 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 Zelle nor First Commerce Bank offer a protection program for any purchase or sale conducted using Zelle.
Your email address or U.S. mobile phone number may already be enrolled with Zelle 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 First Commerce Bank so you can use it for Zelle.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your First Commerce Bank account so you can start sending and receiving money with Zelle. Please call First Commerce Bank customer support toll-free at 855-FCB-OPEN for help.
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