Zelle® Mars Bank FAQ
What is Zelle®?
Zelle is a mobile payment application that allows you to send money to a friend or family member. It makes moving money easier by eliminating trips to the bank or ATM and eliminating handling cash. Best of all, Zelle moves money almost instantly, typically within minutes(1). With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank(2).
How do I enroll in Zelle?
Signing up for Zelle is easy! Simply log into online banking and select payments>send money with Zelle>get started. Enrolling in Zelle takes just minutes. Contact our Online Banking Department at 724.625.1555 x222 for assistance.
How do I use Zelle?
Log into your online banking or mobile app and select “Send Money with Zelle”. Enter your email address or U.S. 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 U.S. 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”(3). To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
To send and receive money do all users need to be signed up for Zelle?
Yes. In order to use the service, whether sending or receiving money, all users must be enrolled in Zelle.
I’m trying to send cash to a family member and their bank does not participate, can they still use Zelle?
Yes! If the receiver’s bank doesn’t participate, the receiver can download the Zelle app to get started.
Is there a dollar limit for Zelle payments?
Yes. Payment limits are set at $2,000 per day and $5,000 per any rolling 30 days.
I own a business and I would like to accept Zelle payments, is that possible?
At this time Zelle is designed for Person-to-Person payments only. Businesses are not eligible to enroll in Zelle.
Can Zelle be used for International transactions?
No. Zelle cannot be used for International payments (including U.S. territories).
Who can I send money to with Zelle?
With Zelle you can send money to friends, family, and others you trust. Since transfers are made directly from your bank account to the recipient’s bank account, it is important that you only use Zelle to send money to people you trust, and ensure that you have used the correct email address or US phone number.
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. If you have not yet enrolled with Zelle, follow these steps: i. Click on the link provided in the payment notification you received via email or text message. ii. Select your financial institution. iii. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money.
Can I cancel a payment once I send it?
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 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 only send money to people you 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, we recommend contacting the recipient and requesting the money back.
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). Zelle does not offer 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.
I’m trying to send money but now my Zelle account is restricted. What should I do?
Your Zelle access may have been restricted for a number of reasons. Please call us at 724-625-1555 x222 for assistance.