Zelle together with First Commerce Bank

This is how money moves®

Introducing Zelle® – a fast, safe and easy way to send money in minutes1 to your friends and family, right from the First Commerce Bank mobile app. When you use First Commerce Bank mobile banking app, Zelle is already available on your phone. Zelle makes it easy to send money to or receive money from people you trust – no matter where they bank2. Find Zelle here in your First Commerce Bank app.

Send money the way it was meant to be sent.

FAST
Send money directly from your account to theirs - typically in minutes.1

SAFE
Send of receive money right from your First Commerce Bank app.

EASY
Send money to almost anyone you know2 using just an email address or U.S. mobile phone number.



Find Zelle in your First Commerce Bank app.

Log in and go to your menu. Scroll down until you see "Send Money with Zelle®". Then, enroll with your U.S. mobile number or email address to get started.

Send.

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.”

Request.

Send your friend a request and a way to pay you back directly with Zelle. Just enter their U.S. mobile number or email address, the amount they owe you, and hit send (if your friend isn’t enrolled yet, you can only send a request using their email address). When your friend responds, the money will appear in your First Commerce Bank account.

Split.

Zelle makes it easy to quickly split the bill with a built-in calculator. Just tap the 'split' button, select the people in your group and enter the total amount you want to split. Zelle sends a request to everyone for their share.

(Please note, if your friend isn’t enrolled yet, you can only send a request using their email address).


Send money in the moment

For birthday dinners without the math
Split the bill and get paid in a flash.1

Your student needs just one more book
When life's unexpected obstacles get in the way, you don't want your money off track as well. 

When it's time to settle-up with the sitter
Move money from your account to theirs within minutes.


First Commerce Bank with Zelle FAQs

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:

 

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

 

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.


Enroll with Zelle and get your money moving.

Unlock the full potential of your mobile banking app by using Zelle. Enjoy the benefits of a fast, safe and easy way of sending and receiving money in minutes.1

Download Our App (Android)

Download Our App (iOS)

 


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle, it could take 1 to 3 business days to receive the money once the enrollment is completed.
2Must have a bank account in the U.S. to use Zelle