Zelle^® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Eagle Community Credit Union.¹

You can send, request, or receive money with Zelle^®. To get started, log into the Eagle Community CU app or online banking. In the main menu select send money with Zelle^®.

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 number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile 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 be sent directly to your Eagle Community Credit Union account, typically within minutes.

If someone sent you money with Zelle^® and 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 Eagle Community Credit Union.
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.

Neither Eagle Community Credit Union nor Zelle^® offer purchase protection for payments made with Zelle^® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

Keeping your money and information secure is a top priority for Eagle Community Credit Union. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your Eagle Community Credit Union account safe.

No, Eagle Community Credit Union does not charge any fees to use Zelle^® in our mobile app.

Your mobile carrier's messaging and data rates may apply.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.^*

Since money is sent directly from your Eagle Community Credit Union account to another person's bank account within minutes^*, Zelle^® should only be used to send money to friends, family and others you trust.

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 Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from the Eagle Community CU app or online banking using just their email address or U.S. mobile number.

No, Zelle^® payments cannot be reversed.

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 you do not see this option available, please contact our customer support team at (800) 324-5328 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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, please immediately call our customer support team at (800) 324-5328 to determine what options are available.

To use a Zelle QR code, simply scan the recipient's QR code to send money, or share your own QR code to receive funds easily without needing to type in email addresses or phone numbers.

The Zelle^® QR code feature is currently not available at Eagle Community Credit Union. The ability to use Zelle^® QR code will be available soon.

If you’re using a computer, log in to Online Banking through your web browser. Zelle® will appear on the left-hand menu under “Transfers/Payments.”

If you’re using a mobile device (such as a smartphone or tablet), Zelle® is only available through the Eagle Mobile Banking App. After logging in through the app, you’ll find the Zelle® button on the bottom main menu.

Please note:
If you access Online Banking through a mobile browser instead of the mobile app, the Zelle® option will not appear. To use Zelle® on a mobile device, you must use the Eagle Mobile Banking App.

When a member clicks the Zelle® icon for the first time inside online or mobile banking, the system automatically marks them as “Enrolled.” This enrollment simply indicates that Zelle has been activated on the account.

However, to actually use Zelle®, the member must still enter either their phone number or email and complete the required authentication step (verifying the token sent to their email or phone). Only after this step is finished is the member fully “Registered” and able to send or receive money.

If you received an enrollment email but did not intend to use Zelle®, it’s possible the icon was clicked accidentally. No transactions can occur unless the registration process is completed.

Please contact our customer support team at (800) 324-5328. Qualifying imposter scams may be eligible for reimbursement.

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.