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Fast. Safe. Easy.
Pay other People
With Zelle®, you can send money to your family and friends, easily split the cost of dinner, send your share of the rent or send money for a gift. Zelle® is available for free in online and mobile banking.
Fast – Send money directly from your account in a matter of minutes1
Safe – Send and receive money with those you know and trust
Easy – Send money using an email address or U.S. mobile number
Safe – Send and receive money with those you know and trust
Easy – Send money using an email address or U.S. mobile number
- Log into our mobile app or online banking
- Select Bill Pay*
- Select Send Money with Zelle®
- Enroll your U.S. mobile number or email address
- You're ready to start sending and receiving money with Zelle®
Zelle® Frequently Asked Questions
1. What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of their financial institution1.
Zelle® is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of their financial institution1.
2. Who can I send money to with Zelle®?
You can send money to friends, family and others you trust. Since money is sent directly from your account to another person’s bank or credit union account within minutes1, 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 phone number.
You can send money to friends, family and others you trust. Since money is sent directly from your account to another person’s bank or credit union account within minutes1, 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 phone number.
3. How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into online or mobile banking, select ‘Bill Pay’ then ‘Send Money with Zelle®’. Follow the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.
You can send, request, or receive money with Zelle®. To get started, log into online or mobile banking, select ‘Bill Pay’ then ‘Send Money with Zelle®’. Follow the prompts, enter the information requested, accept the 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 minutes1.
To request money using Zelle®, choose “Request,” select the individual 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 request money using Zelle®, choose “Request,” select the individual 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 U.S. mobile phone number with a friend and ask them to send you money with Zelle®.
If someone sent you money with Zelle® and 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 Pacific Service Credit Union
3. Follow the instructions provided on the page to enroll and receive your payment. 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 number to ensure you receive your money.
If someone sent you money with Zelle® and 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 Pacific Service Credit Union
3. Follow the instructions provided on the page to enroll and receive your payment. 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 number to ensure you receive your money.
4. 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 be sent directly to your Pacific Service CU account, typically within minutes1.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly to your Pacific Service CU account, typically within minutes1.
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 Pacific Service Credit Union.
3. 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.
1. Click on the link provided in the payment notification you received via email or text message.
2. Select Pacific Service Credit Union.
3. 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.
5. What types of payments can I make with Zelle®?
Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor. 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 people you trust. Neither Pacific Service CU, 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.
Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor. 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 people you trust. Neither Pacific Service CU, 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.
6. How do I get started?
It’s easy — Zelle® is already available in online and mobile banking. Simply sign in to get started.
It’s easy — Zelle® is already available in online and mobile banking. Simply sign in to get started.
7. 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. If the recipient's bank or credit union isn't participating yet, 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.
8. How does Zelle® work?
When you enroll with Zelle® through online or mobile banking, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Pacific Service CU). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its directory and notifies Pacific Service CU of the incoming payment. Pacific Service CU then directs the payment into your bank account, all while keeping your sensitive account details private.
When you enroll with Zelle® through online or mobile banking, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Pacific Service CU). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its directory and notifies Pacific Service CU of the incoming payment. Pacific Service CU then directs the payment into your bank account, all while keeping your sensitive account details private.
9. Can I use Zelle® internationally?
In order to use Zelle®, the sender's and recipient’s bank or credit union accounts must be based in the U.S.
In order to use Zelle®, the sender's and recipient’s bank or credit union accounts must be based in the U.S.
10. Can I cancel a payment?
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.”
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 or credit union 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. If you aren’t able to get your money back, call a member service representative at (888) 858-6878 for assistance.
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, call a member service representative at (888) 858-6878 for assistance.
11. 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 the recipient’s account, typically within minutes.
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 the 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 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? Please call a member service representative at (888) 858-6878 for assistance.
Still having trouble? Please call a member service representative at (888) 858-6878 for assistance.
12. Will the person I send money to be notified?
Yes. They will receive a notification via email or text message.
Yes. They will receive a notification via email or text message.
13. Is my information secure?
Keeping your money and information safe is a top priority for Pacific Service CU. When you use Zelle®, your information is protected with the same technology we use to keep your accounts safe.
Keeping your money and information safe is a top priority for Pacific Service CU. When you use Zelle®, your information is protected with the same technology we use to keep your accounts safe.
14. 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 Pacific Service CU 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.
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 Pacific Service CU 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.
15. What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Zelle’s® customer support team at (844) 428-8542 and ask them to move your email address or U.S. mobile phone number to Pacific Service Credit Union so you can use it for Zelle®.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Zelle’s® customer support team at (844) 428-8542 and ask them to move your email address or U.S. mobile phone number to Pacific Service Credit Union so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Pacific Service Credit Union account so you can start sending and receiving money with Zelle® through the Pacific Service Credit Union mobile app. For more information, please call a member service representative at (888) 858-6878.
16. 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 your mobile banking app or online using just their email address or U.S. mobile number.
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 your mobile banking app or online using just their email address or U.S. mobile number.
Neither Pacific Service CU, nor Zelle®, offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
17. Are there any fees to send money using Zelle®?
No, Pacific Service CU does not charge any fees to use Zelle®.
No, Pacific Service CU does not charge any fees to use Zelle®.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1U.S. checking or saving accounts required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
2Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
1U.S. checking or saving accounts required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
2Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
1U.S. checking or saving accounts required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
