Los Angeles Federal Credit Union Zelle

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Zelle® Frequently Asked Questions

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 minutes1. With just an email address, you can send money to people you trust, regardless of where they bank1.

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into Los Angeles Federal Credit Union's mobile app, tap "Transfer," then select "Send Money with Zelle®.” Or, enter online banking, click “Make a Transfer,” then 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), 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 minutes1.

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. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money.

To receive money, just share your enrolled email address 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 Los Angeles Federal Credit Union account, typically within minutes1.

How do I get started?

It’s easy: Zelle is already available within the LAFCU mobile app and inside online banking! Check out our app and online banking and follow a few simple steps to enroll with Zelle today.

What if I get an error message when I try to enroll an email address?

Your email address 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 to Los Angeles Federal Credit Union so you can use it for Zelle®.

Once customer support moves your email address, it will be connected to your Los Angeles Federal Credit Union account so you can start sending and receiving money with Zelle® through the Los Angeles Federal Credit Union mobile app. Please call Los Angeles Federal Credit Union customer support toll-free at (877) 695-2328 for help.

How does Zelle® work?

When you enroll with Zelle® through your Los Angeles Federal Credit Union app, your name, the name of your bank/credit union, and the email address you enrolled is shared with Zelle® (no sensitive account details are shared - those stay with Los Angeles Federal Credit Union). When someone sends money to your enrolled email address, Zelle® looks up the email address in its "directory" and notifies Los Angeles Federal Credit Union of the incoming payment. Los Angeles Federal Credit Union then directs the payment into your Los Angeles Federal Credit Union account, all while keeping your sensitive account details private.

Is my information secure?

Keeping your money and information safe is a top priority for Los Angeles Federal 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 Los Angeles Federal Credit Union account safe.

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust even if they have a different bank or credit union1.

Since money is sent directly from your Los Angeles Federal Credit Union 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.

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®.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Los Angeles 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.

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 neighbor1.

Since money is sent directly from your Los Angeles Federal Credit Union account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

Neither Los Angeles 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.

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.

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 our customer support team at (877) 695-2328 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 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.

If you sent money to the wrong person, please immediately call our customer support team at (877) 695-2328 so we can help you.

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 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.

Will the person I send money to be notified?

Yes! They will receive an email via the email they used to enroll with Zelle®.

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 be sent directly into your Los Angeles Federal Credit Union 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.
2. Select Los Angeles Federal Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address where you received the payment notification - you should enroll with Zelle® using that email address to ensure you receive your money.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

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 be sent directly to your recipient's account, typically within minutes.

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.

If you're waiting to receive money, you should check to see if you've received a payment notification via email. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address.

Still having trouble? Please give the Los Angeles Federal Credit Union customer support team a call toll-free at (877) 695-2328 or get in touch through our support page.