Zelle®

Send and receive money from family and friends typically in minutes* with Zelle®. Classic Bank is committed to helping you make fast, safe and easy payments — that's why we've partnered with Zelle.

Now when you use your free Classic Bank mobile banking app, Zelle is already available to use! Making payments to trusted recipients who have a bank account in the U.S. is now easier than ever in our mobile app! Haven't downloaded the Classic Bank mobile banking app yet? You can find it here.

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*Transactions typically occur in minutes when the recipients email or U.S. mobile number is already enrolled with Zelle.






Summary
  • We provide Zelle access free-of-charge to our checking account holders
  • Zelle is a new way for our customers to send and receive money with those you know
  • It can be accessed through your account on the Classic Bank app
  • Zelle transfers money to almost any U.S. bank account, typically within minutes1
  • Comes with the security of our mobile banking guarantee
FAQs

1. What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts 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 know and trust, regardless of where they bank2Ask your recipient to enroll with Zelle before you send them money – this will help them get your payment more quickly.

2. Who can I send money to with Zelle?

You can send money to friends, family and people you know2. We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.

Since money is sent directly from your bank account to another person's bank 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 number. Zelle should only be used to send money to friends, family and people you trust.

3. How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into Classic Bank's 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 finished.

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 memo, 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(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".**

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.

** In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled in Zelle.

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 move directly into your bank 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 Classic Bank

3. 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 in Zelle with that email address or U.S. mobile 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 family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should not be used to send money to people you don't know or trust.

6. Are there any fees to send money using Zelle?

Classic Bank does not charge any fees to use Zelle3.

7. How do I get started?

It's easy — Zelle is already available within Classic Bank's mobile banking app! Download the app and follow a few simple steps to enroll with Zelle today. We recommend you enroll before someone sends you money – this will help you get your first payment faster.

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

If your recipient's bank 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.

8. How does Zelle work?

When you enroll with Zelle through the Classic Bank app, your name, the name of your bank and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Classic Bank. When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies Classic Bank of the incoming payment. Classic Bank 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 and recipient's bank 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."

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 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, we recommend contacting the recipient and requesting the money back.

11.How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled person within minutes1. Ask your friends and family to enroll with Zelle before you send them money – this will help them get your payment more quickly.

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 their account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes1.

If the payment remains 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 give the Classic Bank customer support team a call toll-free at 1-877-580-0235 or get in touch through our support page.

12.Will the person I send money to be notified?

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 Classic 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.

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 on-line 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 purchase made withZelle, for example, if you do not receive what you paid for or the item you receive is not as described or as you expected. Classic Bank does not offer a protection program for any authorized purchase made with Zelle .

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 our customer support team and ask them to move your email address or U.S. mobile phone number to Classic Bank 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 Classic Bank account so you can start sending and receiving money with Zelle. Please call Classic Bank's customer support toll-free at 1-877-580-0235 for help.


1To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle.

2Must have a bank account in the U.S. to use Zelle.

3Mobile carrier fees may apply.

Usage & Support

To get started:

1. Open your Classic Bank Mobile Banking App.

2. Click on the "Transfers" tab to access Zelle.

3. Accept the Terms and Conditions to enroll.

4. Choose your primary account which you'd like money sent to.

5. Confirm your account information is accurate.

6. Select "Done." Now you're ready to use Zelle.

Additional Details

• To learn more about Zelle, visit zellepay.com

• You must be enrolled in online banking to use Zelle

If you have questions or need assistance, we're are always happy to help at Classic Bank. Simply contact us!

Important Information from Classic Bank and Zelle: © 2018 Classic Bank. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. * Must have a bank account in the U.S. to use Zelle. ** Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle, it could take 1 to 3 business days to receive the money once the enrollment is completed. Email and mobile transfers require enrollment in the service and must be made from a Classic Bank consumer checking account to a domestic bank account or debit card. Recipients have 14 days to register to receive money or the transfer will be cancelled. Dollar and frequency limits apply. See the Online Banking Service Agreement at https://www.classicbank.com/online-disclosure.html for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply. Certain transfers may take longer to complete. We will send you an email alert with delivery details immediately after you schedule the transfer. The Mobile Banking app is available on iPad, iPhone, Android and Windows 10 (except Xbox) devices. Not all Mobile Banking app features are available on all devices. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

*Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license