Zelle® is a great way to send money to friends and family, pay the dogwalker, or split the cost of the dinner bill—right from your mobile device.
Sign in to the Truist mobile app or Truist online banking. Disclosure 2
Select Transfer & Pay. Then select Send Money with Zelle®.
Enroll your email address or U.S. mobile number.
You’re ready to start sending and receiving money with Zelle®.
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The best way to avoid scams is to know what to look for. Learn more about spotting scams with these tips.
Component ID : "accordionGridLayout-1325438226"Zelle For Small Businesses: Send & Receive Payments
The best way to avoid scams is to know what to look for.
(Visual description: An animation of a cell phone is surrounded by bubbles with red flags.)
The pay yourself scam begins with a text message from a scammer that looks like a fraud alert from your bank.
(Visual description: The cell phone animation shows an example of a text message that reads: FREE MSG: Bank Fraud Alert - Did you approve a transaction for $1,000. Reply Yes or No, and then a response message of “No”)
If you respond to the text message and engage the scammer, you'll receive a call from a number that appears to be your bank.
(Visual description: Animation of a cell phone shows incoming call from a representative from “My Bank.”)
The scammer pretends to be a representative from your bank or credit union and offers to stop the alleged fraud.
In reality, the scammer is actually tricking you into sending money to their own bank account.
(Visual description: Animation of a cell phone shows $1000 being sent to the scammer’s mobile device.)
Here's how they scam you. When you enroll with Zelle, your bank sends you a security code to verify your identity.
(Visual description: Cell phone shows text message: Your One Time Passcode is 5673.)
The scammer lies that they need this passcode to authorize your payment to yourself.
(Visual description: Text reads: One Time Passcodes should not be shared with anyone.)
If the scammer is given the one time passcode they'll be able to enroll their bank account with Zelle using your email or phone number. Now the money you thought you were sending to yourself is sent directly to their bank accounts. Remember, your bank will never ask you to send money to yourself.
If you detect suspicious activity, hang up and contact your financial institution directly at the number listed on the back of your bank issued debit card in your banking app or the bank's Official website.
How do I enroll?
All you need to enroll is an eligible checking or savings account and your email address or U.S. mobile number. Once you review and accept the terms and conditions, you’ll select the email address or U.S. mobile number you want associated with your Zelle® account to receive a one-time verification code. Enter the code and then select which account you want to link up. Then you’re ready to start sending and receiving money with Zelle®.
What should I do if my enrollment is blocked?
Give us a call at 888-228-6654, and someone will assist you in unblocking your enrollment.
How do I send money with Zelle®?
Sending money with Zelle® is easy.
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.
Since money is sent directly from your Truist account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust.
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).
Payments made with Zelle® are like sending cash and may not be able to be recovered. Neither Truist nor Zelle® offers purchase protection for payments made with Zelle®. Always ensure you’ve used the correct email address, U.S. mobile number, or QR code when sending money.
How do I use a Zelle® QR code?
Zelle® QR code provides peace of mind by letting you send and receive money with the right person without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log in to the Truist mobile app, select Transfer & Pay, and then select Send Money with Zelle®. Next, go to your Preferences, and your QR code will be displayed. From here, you can view your QR code and use the share and print icons to text, email, and print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log in to the Truist mobile app, select Transfer & Pay and then Send, and then select the QR code icon displayed at the top of the Select Recipient screen.
Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, select Send, and the money is on the way. When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
You can send, request, or receive money with Zelle®. To get started, log into the Truist mobile app or Truist online and mobile banking. In the Truist mobile app, once you’ve enrolled, select Transfer & Pay > Send Money 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 U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit Send. The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose Request, select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review, and tap Request. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number. Disclosure 6
To receive money, just share your enrolled email address or U.S. mobile number 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 Truist account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
Do I need to download the Zelle® app?
No. As long as you have a Truist account, you don't need to download the Zelle® app. Zelle® is fully integrated into Truist online and mobile banking so that you can use Zelle® and keep track of all your Zelle® activity.
Keeping your money and information safe is a top priority for Truist. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Truist account(s) safe.
What should I do if I have an issue regarding a Zelle® payment?
If you have an issue regarding a payment in Zelle®, call us at 888-228-6654 for assistance. A reference number for each payment or request can be found in your Zelle® activity page.
Can I receive money into more than one account?
Yes. Each U.S. mobile number and email address you enroll can be linked to a different account, but it can only be linked to one account at a time. Simply go to Zelle® Preferences and select Manage Payment Profiles then tap on the U.S. mobile number or email you wish to change. Payments sent to each U.S. mobile number or email address will be received into the account that you select for each contact point.
Are there any fees to send money using Zelle®?
There are no fees from Truist to send or request money with Zelle® using a personal account. Your mobile carrier’s messaging and data rates may apply.
Where can I view a list of my upcoming scheduled payments?
Upcoming scheduled and recurring payments can be viewed in the Pending section of your Zelle® activity page. For recurring payment series, only the next upcoming payment will be shown. You can also edit or delete scheduled or recurring payments on this page. For recurring payment series, you have the option of deleting only the next payment or deleting the entire series.
Should I use Zelle® to pay someone I don't know?
Zelle® is intended to be a way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or a neighbor. 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), we recommend you do not use Zelle® for these types of transactions. Payments made with Zelle® are like sending cash and may not be able to be recovered.
After I send someone a payment, when do they receive money?
Payments sent to an enrolled Zelle® user are typically received within minutes. However, if your recipient hasn’t enrolled with Zelle®, they’ll be notified that a payment is waiting for them, and the money will typically be available within minutes after they enroll. If they do not enroll with Zelle® within 14 days, the payment will expire, and the money will be returned to your account.
Can I reverse or cancel a payment?
Zelle® payments cannot be reversed.
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 the Truist Care Center at 844-4TRUIST (844-487-8478) for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app or online banking, 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 know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call the Truist Care Center at 844-4TRUIST (844-487-8478) to file a claim.
What are added recipients and device contacts?
Added recipients are people saved to your Zelle® contacts so you can send them money easily. Device contacts are contacts you’ve saved in your phone or tablet and can be easily imported to use with Zelle®. Saving someone to your added recipients only saves them as a recipient within Zelle®, not on your device.
How will I know if my scheduled or recurring payment has been sent?
We’ll send you a reminder seven days before your payment is sent, and we’ll notify you when the payment is actually sent. We’ll also notify you if your scheduled or recurring payment fails for any reason.
How do I add a recipient?
To start sending money to someone you don’t see in either of your recipients' lists from your Truist mobile app, go to Transfer & Pay and then Send money with Zelle®. Select Recipients at the bottom of the screen. Then, enter their name, U.S. mobile number, or email address in the top search bar of the mobile app screen.
Can I use Zelle® internationally?
To use Zelle®, both the sender’s and recipient’s bank or credit union accounts must be based in the U.S.
I believe I’ve been a victim of a scam. Whom should I contact?
Please call the Truist Care Center immediately at 844-4TRUIST (844-487-8478) to file a claim.
Component ID : "accordionGridLayout-2028019704"Disclosure 1 For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. A U.S. checking or savings account is required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Service Agreement or for small business clients, view the Truist Online and Mobile Banking for Business Service Agreement There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments to your business account will be charged a 1.0% fee (maximum fee of $15 per transaction). See Truist's Business Deposit Accounts Fee Schedule, for additional information. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.
Disclosure 2 Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.
Disclosure 3 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.
Disclosure 4 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.
All eligibility requirements below must be met to initially qualify for the $100 Negative Balance Buffer:
To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:
For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.
Disclosure 5 Mobile deposit is only available through the Truist mobile app. Deposit limits and other restrictions apply. Your mobile carrier’s message and data rates may apply.
Disclosure 6 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
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