The best part? You don’t need a personal account number.
Just sign in to Navy Federal mobile* or online banking and under the Send Money option, add your contact's email address or U.S. mobile phone number, and you're ready to go.
Ask your recipients to enroll with Zelle before you send them money—this will help them get your payment more quickly.
How to Send Money with Zelle
Sign in to your Navy Federal Credit Union account and select Send Money, then Send Money with Zelle. 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, enter the code in the appropriate box on the enrollment screen and you're all set.
Add a Recipient
To find a new recipient, enter their email address or U.S. mobile number. If the recipient hasn't enrolled in Zelle, they'll receive an email or text letting them know how to enroll to access the money you've sent.
Choose the recipient and the amount to send. It's important to make sure the recipient's information is correct because sending money to the wrong recipient could result in a loss of funds.2 Tap Send after you've verified everything is correct.
Who can receive funds with Zelle?
You can send money to almost anyone who has a U.S. bank account. Zelle is intended to be used with friends, family and others (like a babysitter) you know and trust. We recommend that you ask your recipient to enroll before you send them money, because they'll likely receive your payment faster.
You shouldn’t use Zelle to send money to people you don’t know or trust (like an online sales or bidding site). Neither Navy Federal Credit Union nor Zelle offer a protection program for any purchase or sale conducted using Zelle.3 However, if you notice other errors or unauthorized charges, please contact us as soon as possible at 1-888-868-8123.
Will the recipient be notified that I’ve sent them money?
Yes. They’ll receive an email or text message if you send money using their email address or U.S. mobile phone number.
How long does it take to receive funds?
Money in minutes. Money sent with Zelle is designed to deliver payments, typically within minutes. All it takes is for your debit card to be activated—which you can do online or via our mobile app. Once your card is activated, select Send Money, then Send Money with Zelle to get started. For future scheduled payments, funds will be available on the delivery day you select.
What if they’re not enrolled? If you send money through Zelle with an email or phone number to someone who isn’t enrolled, they'll receive a notification that prompts them to enroll. After they enroll, it may take 1 to 3 business days to receive the money you sent, depending on processing times. (This is a security feature.) Once that payment completes, your recipient will typically receive future payments faster.
If the payment is pending for more than 3 days, we recommend confirming that the recipient has activated their Zelle profile and that you entered his or her email address or U.S. mobile number correctly.
If the recipient doesn't respond to the payment notification by enrolling after 14 days, the money will be returned to your account automatically.
If you have questions or need help, you can call the Navy Federal Zelle Support Team toll-free at 1-888-868-8123.
What if I accidentally send money to the wrong person?
Sending funds with Zelle is similar to using cash. You don’t have protections if you send money to the wrong person, and you may not be able to get your money back. (For more information, see the Zelle Payment Terms.) Before sending any money, make sure your recipient's contact information is correct and that the recipient is someone you know and trust.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money be returned. For information on how you may be able to cancel a payment, please see Section 8, “Can I cancel a payment?”
Can I cancel a payment?
Will I be charged any fees for sending money using Zelle?
No. Navy Federal doesn't charge any fees to send money using Zelle. However, other fees related to your account, such as Non-Sufficient Funds (NSF) fees or overdraft fees, will still apply.
Can I use Zelle internationally?
You can't use Zelle to send money to bank accounts outside the U.S. However, recipients enrolled in Zelle with a U.S. bank account should be able to receive money in that account while abroad.
Is my information secure?
Security is a top priority for Navy Federal Credit Union. When you use Zelle within Navy Federal digital banking,* your information is protected by the same technology we use to keep your other transactions secure.
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 be associated with a Zelle profile through another financial institution. You may only establish Zelle with one financial institution. Contact the Navy Federal Zelle Support team at 1-888-842-6328 for instructions on how to transfer your U.S. mobile number or email address to your Navy Federal account. Once you’ve transferred your Zelle service to Navy Federal, it will no longer be connected to the other financial institution.
What's the difference between Zelle and Member-to-Member transfers?
Zelle is not intended to replace Member-to-Member transfers when you’re transferring money to another Navy Federal member. Navy Federal has partnered with Zelle to allow members to send money to or receive money from friends or family with an external (non-Navy Federal) account. Both Member-to-Member transfers and Zelle are available to you when you select Send Money in digital banking.*
What if I don’t receive the items I bought?
You shouldn’t use Zelle to purchase things from people you don’t know and trust. There’s no dispute process/purchase protection if you don’t receive goods you were promised, and you’d have to handle the matter directly with the recipient yourself. However, if you notice other errors or unauthorized charges, please contact us as soon as possible at 1-888-868-8123.
Zelle 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. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.↵
Future dated payments are set up through the other Zelle payment services, not Zelle. These payments can be canceled in certain circumstances as outlined in the Zelle Payment Service Terms.↵
Landline numbers, Google Voice™ numbers, and Voice over Internet Protocol (VoIP) numbers may not be used to enroll in Zelle.↵