We recommend you let your recipient know to expect a notification advising money was sent to them. We'll never ask you to send money to anyone, including yourself. See also: Learn how to pay safely with Zelle®.

To send money with Zelle using online banking

1. Select Transfer & pay, then Send & request money with Zelle®.
2. Choose your recipient, then select their email address or mobile number. You can add a new recipient during this step if they're not on your list.
3. Enter the Amount, Message (optional), Frequency, Send date, and select the From account. 
   
   • Send date: The date the funds are sent but may not be the date the funds are deposited, depending on the processing time.
   • Frequency: One time, Monthly, Weekly, Every 2 Weeks, and Yearly are available options.  
4. Select Review to continue to the Review & send page. 
5. If everything is correct, select Send or select Schedule if you chose a future or recurring option.

To send money with Zelle using the U.S. Bank Mobile App

1. From your dashboard, select Transfer & pay, then choose Send & request money with Zelle®.
2. Select Send money and choose your recipient. You can add a new recipient during this step if they're not on your list.
3. Enter the Amount, add a Memo (optional), the Pay from account, the Send on date, and choose Repeat this payment if you'd like it to be recurring.
   
   • Send on date: The date the funds are sent but may not be the date the funds are deposited, depending on the processing time.
   • Repeat this payment: One time, Monthly, Weekly, Every 2 Weeks, and Yearly are available options.  
4. Select Review and then Send on the next screen, if everything is correct.

More information

If you'd like to send an eCard to your recipient, just select Choose an eCard from the confirmation page.   

Messages/memos aren't required but are recommended. A personal note gives your contacts the confidence they're receiving funds from someone they know. It's also an opportunity for you to communicate the purpose of the transaction.

Recipients need to register their mobile number or email address with Zelle®. If the mobile number or email address isn't registered within 14 calendar days, the payment expires, and funds are returned to your account.

• Non-registered recipients: We'll send the recipient a notification the funds were sent. The notice includes instructions on how the recipient registers with their financial institution, or directly with Zelle®, to claim the money. The notification is sent as a text if you sent the payment to their mobile number or as an email if you sent the payment to their email address. 
• Registered recipients: They don't need to take any further action as long as their financial institution supports automatic deposit. If their financial institution doesn't support it, they'll need to manually accept the payment.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.