Send and Receive Money with Zelle®
Enroll NowZelle® is a fast, safe, and easy way to send money to friends, family, and other people you trust, wherever they bank.1
Whether you're paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
ZELLE IS FAST
Send money directly from your account to theirs – typically in minutes.1
ZELLE IS SAFE
Send or receive money right from your Sandia Lab Federal Credit Unionapp. No account numbers are shared.
ZELLE IS SAFE
Send money to people you know and trust1 using just an email address or U.S. mobile phone number.
Download the SANDIA LABORATORY FEDERAL CREDIT UNION App:
Enroll today and send money to friends and family:
ZELLE® FREQUENTLY ASKED QUESTIONS
What is Zelle®?
Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you.1 All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes1. No account numbers are shared.
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into Sandia Lab Federal Credit Union's {SLFCU's)
mobile app. Select "Zelle®" from the bottom menu.
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 hit “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.
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 SLFCU account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Sandia Lab Federal Credit Union.
- Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.
Is my information secure when I use Zelle® to send and receive money?
Keeping your money and information safe is a top priority for SLFCU. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your SLFCU account safe.
Who can I send money to 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 SLFCU account to another person's bank account within minutes1, 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).
Neither SLFCU nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
I believe I’ve been a victim of a scam. Who should I contact?
Please contact SLFCU at 505.293.0800 or 800.947.5328. Qualifying imposter scams may be eligible for reimbursement.
Can I pay a small business with Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with
Zelle®. If they do, you can pay them directly from the SLFCU mobile app using just their email address or U.S. mobile number.
Neither Sandia Lab Federal Credit Unionnor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I cancel or reverse a payment with Zelle®?
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 call SLFCU's Contact Center at 505.293.0500 or 800.947.5328 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 SLFCU's Contact Center at 505.293.0500 or 800.947.5328 so we can help you.
Are there any fees to send money using Zelle® ?
No, SLFCU does not charge any fees to use Zelle®. Your mobile carrier's messaging and data rates may apply.
Are there any limits for sending money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. Upon enrollment in Zelle®, all SLFCU members are subject to the following limits: $1,000 per transaction; $1,000 per day.
Is there a limit on how much money I can receive per day with Zelle® ?
No. Keep in mind that people sending you money may have limits set by their own financial institution.
What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's bank or credit union 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 U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes.1
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.1
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 U.S. 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 U.S. mobile phone number.
Still having trouble? Call our Contact Center at 505.293.0500 so we can help you.
Will the person I send money to with Zelle® be notified?
Yes! They will receive a notification via email or text message.
I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
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 Sandia Lab Federal Credit Unionnor 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.
Can I use Zelle® with my SLFCU business account?
As outlined in the SLFCU Terms & Conditions, SLFCU business accounts cannot enroll with or use Zelle®. Please note that SLFCU business members who access their business account through their personal online banking login will see Zelle® in SLFCU mobile banking, but Zelle® should only be used with personal accounts.
Can I add or change the email address or U.S. mobile number registered with Zelle® ?
Yes. To do so, log into the SLFCU mobile app, select "Zelle®" from the bottom menu, tap the gear icon for My Info, then tap the X button next to your currently enrolled email address or mobile number to delete it. Then, tap the plus sign next to "Add Email" and/or "Add Mobile" and follow the steps to provide the new information to be enrolled with Zelle®.
Note: Updating your contact information in Zelle® will not update your contact information associated with your SLFCU account. To update the email address or mobile number associated with your account, make the change in the Settings area of mobile banking, send us secure message, call us at 505.293.0500 or 800.947.5328, or visit any branch.
Can I register more than one U.S. mobile number or email address in Zelle®?
Yes, but you must use a different email address or U.S. mobile number for each bank account you enroll with Zelle®. Since your email address or U.S. mobile number is a unique identifier that tells us where to deposit your money, you need a different email address/U.S. mobile number for each account you enroll with Zelle®.
What types of notifications will be sent?
Following are the types of notifications that are sent:
- Account activity notifications (add/update contacts, enrollment confirmation, change funding account, etc.)
- Payment send notifications (payment failed notification, payment expired, payment sent, payment canceled, etc.)
- Payment request notifications (request sent, request declined, requested money sent, request expired, etc.)
- Payment split request notifications
Based on your preference, Zelle® notifications will be sent by email or SMS (text).
I added a secondary U.S. mobile number and/or email address in Zelle®, but I'm unable to receive Zelle® notifications at those contacts. Why?
You can enroll up to two U.S. mobile numbers and two email addresses in Zelle® . However, Zelle® notifications can only be sent to the mobile number or email address associated with your SLFCU account. The additional U.S. mobile number can be used for sending and/or receving money, but will not be available for notifications.
I'm enrolled in Zelle® at SLFCU, but the payment was sent to an email address/U.S. mobile number that is not linked to my account. What do I do?
You can either enroll the email or U.S. mobile number where the payment was sent (if you own that email or U.S. mobile number) or contact the sender to cancel the payment and send it to your already enrolled email or U.S. mobile number.
Can I request to increase my Zelle® sending limit?
Yes. A sending limit increase can be requested by calling our Contact Center at 505.293.0500 or 800.947.5328 or by visiting any branch. For security reasons, each request will be evaluated on a case-by-case basis; we cannot guarantee that your sending limit will be increased.
Can I use Zelle® with accounts on which I am a joint account owner?
Yes. Joint account owners can use Zelle® to send money to and from checking accounts on which they are a joint owner.
Can I access Zelle® from a desktop or laptop computer?
No. Zelle® is only available through the SLFCU mobile banking app.
Can I use Zelle® on my smartphone?
No. Zelle® is only available in the SLFCU mobile app. Members logged into online banking via their mobile browser may see the Zelle® widget, but it will not work for sending and/or receiving money.
Is there an age limit to use Zelle®?
Yes. Only SLFCU members age 18+ will have access to the Zelle® widget in mobile banking.
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1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
3
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.