Zelle®

A Convenient Way to Send Money

Zelle® is a fast, safe, and easy way to send money in minutes1 to friends, family, and others you know and trust, right from your Tri City National Bank app. Zelle® makes it easy to send money to, or receive money from, people you trust — regardless of where they bank.1

Find Zelle® in your Tri City National Bank app.

Key Features

Fast

Safe

Easy

Mobilize Your Money with ZellE®

Send

Select someone from your mobile device’s contacts (or add a trusted recipient’s email address or US mobile phone number), add the amount you’d like to send and an optional memo, review, then hit “Send.”

Request

Send your friend a request and a way to pay you back directly with Zelle®. Just enter their US mobile number or email address, the amount they owe you, and hit send. (If your friend isn’t enrolled yet, you can only send a request using their email address). When your friend responds, the money will appear in your Tri City National Bank account.

Split

Zelle® makes it easy to quickly split the bill with a built-in calculator. Just tap the “split” button, select the people in your group and enter the total amount you want to split. Zelle® sends a request to everyone for their share. (If your friend isn’t enrolled yet, you can only send a request using their email address).

Zelle® FAQ

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the US, typically within minutes.1 With just an email address or US mobile phone number, you can send money to people you trust, regardless of where they bank.1

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust.1

Since money is sent directly from your bank account to another person’s bank account within minutes,1 it's important to only send money to people you trust, and always ensure you’ve used the correct email address or US mobile number.

How do I use Zelle®?

You can send, request or receive money with Zelle®. To get started, log into Tri City National Bank’s mobile app and select “Send Money with Zelle®.” Enter your email address or US mobile phone number, receive a one-time verification code, enter it, accept 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 or US mobile phone 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 request money using Zelle®, choose “Request,” select the individual(s) 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

To receive money, just share your enrolled email address or US mobile phone number with a friend and ask them to send you money 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 move directly into your bank account, typically within minutes.1

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 or text message.
  2. Select Tri City Natl Bank.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or US mobile number where you received the payment notification — you should enroll with Zelle® using that email address or US mobile number to ensure you receive your money.

What types of payments can I make with Zelle®?

Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your bank 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 Tri City National 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.

Are there any fees to send money using Zelle®?

Tri City National Bank does not charge any fees to use Zelle®.

How do I get started?

It’s easy — Zelle® is already available within Tri City National Bank's mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.

What if I want to send money to someone whose bank doesn’t offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s financial institution 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 US mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include US territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle® work?

When you enroll with Zelle® through Tri City National Bank’s mobile app, your name, the name of your bank, and the email address or US mobile number you enrolled is shared with Zelle®. (No sensitive account details are shared — those stay with Tri City National Bank). When someone sends money to your enrolled email address or US mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Tri City National Bank of the incoming payment. Tri City National Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

In order to use Zelle®, the sender’s and recipient’s bank accounts must be based in the US.

Can I cancel a payment?

If your recipient has not yet enrolled with Zelle®, the payment will remain pending, and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

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 send money only to people you trust and always ensure you’ve used the correct email address or US mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 414.874.2489 so we can help you.

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 move 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 or US mobile phone number.

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

Still having trouble? Please give Tri City National Bank customer support team a call toll-free at 414.874.2489 or get in touch through our support page.

Will the person I send money to be notified?

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

Is my information secure?

Keeping your money and information safe is a top priority for Tri City National Bank. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

What should I do if I’m unsure about using Zelle® to pay someone I don’t know?

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® for these types of transactions.

These transactions are potentially high risk — just like sending cash to a person you don’t know is high risk. Neither Tri City National 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 if the item is not as described or as you expected.

What if I get an error message when I try to enroll an email address or US mobile number?

Your email address or US mobile phone number 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 or US mobile phone number to Tri City National Bank so you can use it for Zelle®.

Once customer support moves your email address or US mobile phone number, it will be connected to your Tri City National Bank account so you can start sending and receiving money with Zelle® through the Tri City National Bank mobile app. Please call Tri City National Bank customer support at 414-874-2489 for help.

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