Zelle® Frequently Asked Questions
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into Banner Bank Online Banking or the Banner Bank Mobile Banking app. In the main menu, select "Transactions." Then “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 phone 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 to request, 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 mobile number.
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 be sent directly into your Banner Bank account, typically within minutes.
If someone sent you money with Zelle® and 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 Banner Bank.
- Follow the instructions provided on the page to enroll and receive your money. 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.
Is my information secure?
Keeping your money and information safe is a top priority for Banner Bank. When you use Zelle® within Banner Online Banking and the Banner Bank mobile app, your information is protected with the same technology we use to keep your Banner Bank account safe.
Who can I send money to 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 neighbor1.Since money is sent directly from your Banner Bank account to another person’s bank or credit union account within minutes1, 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 bough 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).
Neither Banner Bank nor Zelle® offers purchase 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. 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.
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 Banner Online Banking and the Banner Bank mobile app using just their email address or U.S. mobile number.Neither Banner Bank, 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. 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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender's and recipient’s bank or credit union accounts must be based in the U.S.
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 you do not see this option available, please contact us at 800-272-9933 for assistance with canceling the pending 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, please immediately call our customer support team at 800-272-9933 so we can help you.
Are there any fees to send money using Zelle®?
No, Banner Bank does not charge any fees to use Zelle® in Banner Bank Online Banking or the Banner Bank mobile banking app.Your mobile carrier's messaging and data rates may apply.
What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
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. You can find a full 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.
Zelle® for Business FAQs
How do I use Zelle® with a small business account?
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Banner Bank’s online banking or mobile app and select Zelle® from the menu options. Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle®.
To send money with 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.” In most cases, the money is available to your recipient in minutes.1
To receive money using Zelle® with a small business account, share your enrolled email address or
U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”
How do I know if my small business is eligible to use Zelle®?
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Banner Bank’s online banking or mobile app and select Zelle® from the menu options. If you don’t see Zelle®, please call our customer support team at 800-272-9933.
Are there any fees to use Zelle® with a small business account at Banner Bank?
No, Banner Bank does not charge any fees to use Zelle® with a small business account.
Your mobile carrier's messaging and data rates may apply.
Does Banner Bank or Zelle® offer purchase protection?
Neither Banner Bank nor Zelle® offers 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.
Can I reverse or cancel a payment?
No, Zelle® payments cannot be reversed.
You can only cancel a payment if the small business or consumer 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 800-272-9933 for assistance with canceling the pending payment.
If you send money to a small business or consumer that 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, please immediately call our customer support team at 800-272-9933 to determine what options are available.
I believe I’ve been a victim of a scam. Who should I contact?
Please contact our customer support team at 800-272-9933. Qualifying imposter scams may be eligible for reimbursement.
Is my information secure?
Keeping your money and information secure is a top priority for Banner Bank. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your Banner Bank account secure.
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.
How do I tell my customers that they can pay me with Zelle®?
There are a few ways you can encourage your customers to pay you with Zelle®.
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
- Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).
If I use Zelle® for my small business, will Zelle® integrate with software?
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Banner Bank send limits, call our customer service at 800-272-9933.
A customer asked me to share my Zelle® QR code. Where can I find this feature?
The Zelle® QR code feature is currently not available at Banner Bank, but we’re working hard to offer the ability to use a Zelle® QR code. In the meantime, Zelle® still provides a fast and easy way to receive money by sharing your enrolled email address or U.S. mobile number with your customers1.
What is a Zelle® tag and how do I use it?
A Zelle® tag is a unique identifier that you create, much like a username, that allows you to get paid with Zelle® without having to provide your contact information. Your Zelle® tag should be:
• Six to 40 characters.
• May include letters, numbers, and hyphens, but no other special characters or spaces.
• Is not case sensitive.
To start, think of a Zelle® tag that fits with your small business. For example, if your small businesses name is ABC Company, you might select abc-company as your Zelle® tag. Then, click Choose “Settings” or “Zelle® Preferences”, click “Create a Zelle® tag” and follow the steps to secure your Zelle® tag. You can now share your custom Zelle® tag and start getting paid without providing your enrolled email address or U.S. mobile number.
You can also send money to an eligible small business, supplier or vendor if they are enrolled with Zelle® through their financial institution’s app. Find Zelle® in the Banner Bank mobile app, click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, enter the amount, hit “Send,” and the money is on the way. When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money.