1. What is Zelle?

    Zelle is a new way for Navy Federal members to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can now quickly, safely and easily send money to people you know and trust, regardless of where they bank. To get started, ask your recipient to enroll with Zelle before you send them money–this will help them get your payment more quickly.

  2. Who can I send money to with Zelle?

    You can send money to almost anyone you know and trust with a bank account in the U.S. We recommend that you ask your recipient to enroll with Zelle before you send them money—this will help them get your payment more quickly. Before sending any money, it’s important to confirm the email address or U.S. mobile number entered for the recipient is correct. Sending money to the wrong recipient could result in a loss of funds.
  3. How do I use Zelle?

    As with any transaction, Zelle should only be used to send money to or receive money from people you know and trust. To get started, sign in to Navy Federal digital banking2 and select Zelle at the “Send Money” option. After you accept the terms and conditions, enter your email address or U.S. mobile phone number to receive a one-time verification code. Next, just enter the code in the appropriate box on the enrollment screen and you’re done.

    To send money using Zelle, simply select your recipient from your contacts (or add your recipient's email address or U.S. mobile number), add the amount you'd like to send, review and then hit "confirm." In most cases, the money is sent directly to your recipient's bank account in just minutes,1 so it's important you know and trust them.

  4. Are there any fees to send money using Zelle?

    Navy Federal doesn’t charge any fees for Zelle.

  5. How do I get started?

    It’s easy–Zelle is already available within Navy Federal digital banking. Check our app2 or sign in online and follow a few simple steps to enroll with Zelle today. We recommend you enroll with Zelle before anyone sends you money—this will help you get your first payment faster.

    Visit Zelle for a full list of participating banks and credit unions.

    Concerned your recipient's bank isn't listed? Don't worry! Almost anyone with a bank account in the U.S. can receive money by using the Zelle app.

  6. Can I use Zelle internationally?

    You cannot use Zelle to send to international bank accounts. However, if the recipient is enrolled with Zelle and has a bank account in the U.S, they can send and receive money while traveling internationally, provided they’re not in a country that blocks text and email notifications.

  7. Can I cancel a payment?

    If the payment is still pending, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If your recipient has already enrolled with Zelle, the transaction cannot be canceled.

    If you sent money to the wrong person, we recommend contacting the recipient and requesting the money be returned.

    If you suspect fraudulent Zelle transactions, please contact Digital Services at 1-888-868-8123 weekdays from 7:30 am to 11 pm, or weekends from 10 am to 6:30 pm, Eastern Time.

  8. How long does it take to receive money with Zelle?

    Money sent with Zelle is typically available to an enrolled recipient within minutes.1 Ask your recipient to enroll with Zelle before you send money—this will help them get your payment more quickly.

    If you send money to someone who isn't enrolled with Zelle, they'll receive a payment notification prompting them to enroll with Zelle. After your recipient enrolls, it may take one to three business days for your recipient to receive that payment in their bank account. This is a security feature of Zelle designed to reduce risk and protect you whenever you're sending or receiving money. Once that payment completes, that recipient will be able to receive future payments faster, typically within minutes.

    If the payment is still pending for more than three days, we recommend confirming that the person you sent money to has activated their Zelle profile and that you entered the right email address or U.S. mobile number. If you're waiting to receive money, we recommend confirming with the sender that they entered the right email address or U.S. mobile number.

    If the recipient doesn't enroll or respond to the payment notification after 14 business days, the money will be automatically returned to the sender's account.

    Still having trouble? Please give the Navy Federal Zelle Support team a call toll-free at 1-888-560-8031.

  9. Will the person I send money to be notified?

    Yes! Your recipient will receive a notification via email or text message.

  10. Is my information secure?

    Keeping your money and information safe is a top priority for Navy Federal, and when you use Zelle within Navy Federal digital banking, your information is protected with the same technology we use to keep your accounts safe. As with any transaction, Zelle should only be used to send money to or receive money from people you know and trust. This is especially true if the payment involves the purchase or sale of a good or service (for example, items bought from an online auction or sales site). These transactions are potentially high risk, and neither Navy Federal Credit Union nor Zelle offers a protection program for any purchase or sale conducted using Zelle.

  11. What if I get an error message when I try to enroll a U.S. mobile number or email address?

    Your U.S. mobile number or email address may already be associated with a Zelle profile through another financial institution. You can call the Navy Federal Zelle Support team at 1-888-560-8031 and ask them to transfer your U.S. mobile number or email address to Navy Federal so you can start using Zelle through Navy Federal digital banking. Once you have assigned Navy Federal as your financial institution with Zelle, you can no longer utilize that U.S. mobile phone number or email address with the previously assigned financial institution.

  12. What's the difference between Zelle and Member-to-Member transfers?

    Member-to-Member transfers are just that—only between Navy Federal members' accounts.

    Navy Federal has partnered with Zelle to allow members to send money to or receive money from an external (non-Navy Federal) account. As with any transaction, Zelle should only be utilized with people you know and trust. Any other type of transaction is potentially high risk, and neither Navy Federal Credit Union nor Zelle offers a protection program for any purchase or sale conducted using Zelle.

    Both Member-to-Member transfers and Zelle are available to you when you select the "Send Money" tab in digital banking.

  13. What if I accidentally send money to the wrong person?

    Before sending any money, make sure your recipient’s contact information is correct and that this is a person you know and trust. Sending money to the wrong recipient could result in a loss of funds.

    However, you can cancel a payment if the recipient hasn’t yet enrolled with Zelle.

    If the payment is still pending, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If your recipient has already enrolled with Zelle, the transaction cannot be canceled.

    If you sent money to the wrong person, we recommend contacting the recipient and requesting the money be returned. Zelle should only be used to transfer money with people you know and trust.

    Sending funds with Zelle is similar to using a check or cash, so you aren't covered by our Zero Liability policy as you are when using a Navy Federal credit or debit card. Navy Federal Credit Union and Zelle aren't liable for purchase disputes.

1Zelle is available to bank account holders in the U.S. only. To receive money in minutes, the recipient’s email address or U.S. 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. 2Message and data rates may apply. Terms and Conditions are available.