Introducing Zelle® – a fast, safe and easy way to send money in minutes1 to friends, family, and others you trust1 using only their U.S. mobile number or email address. Use Zelle® in your Sandia Laboratory Federal Credit Union app to send money directly from your account to theirs. With Zelle®, you can also receive money directly into your account within minutes.1
Send money directly from your account to theirs – typically in minutes.1
Send or receive money right from your Sandia Laboratory Federal Credit Union app.
Send money to almost anyone you know and trust1 using just an email address or U.S. mobile phone number.
Enroll today and send money to friends and family:
1. What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1
2. Who can I send money to with Zelle®?
You can send money to friends, family and others you trust.1
Since money is sent directly from your account to another person’s account within minutes,1 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 phone number.
You can send, request, or receive money with Zelle®. To get started, log into your mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving 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 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 minutes.1
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.2
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®.
4. Someone sent me money with Zelle®; how do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your credit union account, typically within minutes.1
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select your credit union’s name.
- Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.
5. What types of payments can I make with Zelle®?
Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor.1
Since money is sent directly from your account to another person’s account within minutes,1 Zelle® should only be used to send money to people you trust.
Neither Sandia Laboratory Federal Credit Union, nor Zelle®, offers a protection program for any authorized 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.
6. How do I get started?
It’s easy – Zelle® is already available in your mobile banking app! Check your app and follow a few simple steps to enroll with Zelle® today.
7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s bank or credit union isn’t on the list, don’t worry! The list 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.
8. How does Zelle® work?
When you enroll with Zelle® through your banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with your credit union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your credit union then directs the payment into your account, all while keeping your sensitive account details private.
9. Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
10. Can I cancel a payment?
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 or credit union 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, you can call our Contact Center at 505.293.0500 or 800.947.5328.
Please note: these transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Sandia Laboratory Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®.
11. How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes.1
If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.1
If your payment is pending, 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? Call our Contact Center at 505.293.0500 so we can help you.
12. Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
13. Is my information secure?
Keeping your money and information safe is a top priority. When you use Zelle® within your mobile app, your information is protected with the same technology we use to keep your account safe.
14. I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
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® 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 Sandia Laboratory Federal Credit Union nor Zelle® offers a protection program for any authorized 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.
15. What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.
If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click "Transfer" when prompted during the Zelle® enrollment process and confirm your desired changes.
Once you transfer your email address or U.S. mobile phone number, it will be connected to your account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.
16. Can I pay a small business with Zelle®?
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 your mobile banking app using just their email address or U.S. mobile number.
Neither Sandia Laboratory Federal Credit Union, nor Zelle® , offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
17. Can I use Zelle® with my SLFCU business account?
As outlined in the SLFCU Terms & Conditions, Zelle® is intended for personal use only, not business or commercial use. Please note that SLFCU business members who access their business account through their personal online banking login will see Zelle® in SLFCU mobile banking, but Zelle® should only be used with personal accounts.
18. Can I add or change the email address or U.S. mobile number enrolled with Zelle® ?
Yes. To do so, log into the SLFCU mobile app, select "Send Money with Zelle®" then "Update Contact Information" and update the information enrolled with Zelle®.
Note: updating your contact information in Zelle® will not update your contact information associated with your SLFCU account. To update the email address or mobile number associated with your account, make the change in the Settings area of mobile banking, send us secure message, call us at 505.293.0500 or 800.947.5328, or visit any branch.
19. Can I enroll more than one phone number or email address in Zelle® ?
Yes. You can have up to two enrolled phone numbers and two enrolled email addresses with Zelle® .
20. Are there any costs associated with using Zelle® ?
SLFCU does not charge any fees to use Zelle®. However, your mobile carrier’s messaging and data rates may apply. Follow-up with your wireless provider for more information.
21. What types of notifications will Zelle® send?
Following are the types of notifications Zelle® sends:
- Account activity notifications (add/update contacts, enrollment confirmation, change funding account, etc.)
- Payment send notifications (payment failed notification, payment expired, payment sent, payment canceled, etc.)
- Payment request notifications (request sent, request declined, requested money sent, request expired, etc.)
- Payment split request notifications2
Based on your preference, Zelle® notifications will be sent by email or SMS (text).
22. I added a secondary phone number and/or email address in Zelle®, but I'm unable to receive Zelle® notifications at those contacts. Why?
You can enroll up to two U.S. phone numbers and two email addresses in Zelle® . However, Zelle® notifications can only be sent to the phone number or email address associated with your SLFCU account. The additional phone numbers can be used for sending and/or receving money, but will not be available for notifications.
23. I'm enrolled in Zelle® at SLFCU, but the payment was sent to an email address/U.S. mobile number that is not linked to my account. What do I do?
You can either enroll the email or U.S. mobile number where the payment was sent (if you own that email or U.S. mobile number) or contact the sender to cancel the payment and send it to your already enrolled email or U.S. mobile number.
24. Is there a sending limit in Zelle® ?
Yes. Upon enrollment in Zelle®, all SLFCU members will be subject to the following limits: $500 per transaction; $1,000 per day.
25. Is there a limit on how much money I can receive through Zelle® per day?
26. Can I request to increase to my sending limit in Zelle®?
Yes. A sending limit increase can be requested by calling our Contact Center at 505.293.0500 or 800.947.5328 or by visiting any branch. For security reasons, each request will be evaluated on a case-by-case basis; we cannot guarantee that your sending limit will be increased.
27. Can I use Zelle® with accounts on which I am a joint account owner?
Yes. Joint account owners can use Zelle® to send money to and from checking accounts on which they are a joint owner.
28. Can I access Zelle® from a desktop or laptop computer?
No. Zelle® is only available through the SLFCU mobile banking app.
29. Is there an age limit to use Zelle®?
Yes. Only SLFCU members age 18+ will have access to the Zelle® widget in mobile banking.
30. Can I use Zelle® from my mobile browser?
No. Zelle® is only available in the SLFCU mobile app. Members logged into online banking via their mobile browser may see the Zelle® widget, but it will not work for sending and/or receiving money.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Check with your financial institution for more info.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.