How to Enroll in Zelle®

What you may need before enrolling in Zelle®

Before you enroll in Zelle, make sure you have both:

• An eligible account with a participating bank or credit union
• An email address or U.S. mobile number you can access

Your bank or credit union determines which accounts are eligible, what information is required for enrollment, and whether you can enroll through mobile banking, online banking, or both.

Start in a trusted place

Begin enrollment from your bank or credit union’s official mobile app or website. If your financial institution sends you a verification code during enrollment, enter it only where instructed within the official enrollment process. Never share a verification code with another person.

How to sign up for Zelle® through your bank or credit union

While the exact Zelle enrollment process varies by financial institution, you can generally get started with these seven steps.

1. Confirm that your bank or credit union offers Zelle®

First, check whether your financial institution offers Zelle. You can use the [Find Your Bank or Credit Union] tool on Zelle.com to search for participating financial institutions. If your bank or credit union participates, check its mobile banking app or online banking experience to see where Zelle is available. 

2. Sign in to your bank or credit union

Open your financial institution’s official mobile banking app or go directly to your online banking website. Sign in using the same credentials you normally use to access your account.

3. Find Zelle® in the payments or transfers section

Once you’re signed in, look for Zelle within your bank or credit union’s payments or money transfer features.

The exact menu name and location will depend on your financial institution’s naming conventions. You may typically find Zelle under a section labeled:

• Pay and Transfer
• Send Money
• Payments
• Transfer Money
• Zelle®
 
If you’re having trouble finding it, check your financial institution’s website or contact your bank or credit union for guidance.

4. Choose an eligible account

You may be asked to select the account you want to use with Zelle. Your bank or credit union determines which of your accounts are eligible. Follow the instructions in your banking experience to choose the account you want to connect to your Zelle enrollment.

5. Enroll an email address or U.S. mobile number

Next, enter or confirm an email address or U.S. mobile number that you can access. This contact information helps connect you to the eligible account you selected. Make sure the information you enter is accurate before continuing.

6. Complete any required verification

Your bank or credit union may ask you to verify your email address or U.S. mobile number. For example, you may receive a one-time verification code or be asked to complete another form of confirmation. Follow the instructions provided by your financial institution.

7. Review your enrollment confirmation

Follow the remaining prompts and look for confirmation from your bank or credit union that enrollment is complete. Enrollment processes, eligibility checks, and timing can vary by financial institution, so follow any additional instructions that appear in your banking experience.

What happens after you enroll in Zelle®?

After enrollment, the email address or U.S. mobile number you enrolled is associated with the eligible account you selected through your financial institution. You can then access Zelle through your participating bank or credit union’s experience, as outlined above. Your financial institution determines applicable eligibility requirements, terms, account availability, and limits.

New to Zelle? Learn more about [what Zelle is and how it works].

What if your email address or mobile number is already enrolled?

If you’re told that your email address or U.S. mobile number is already enrolled with Zelle®, it may already be associated with a different eligible account or financial institution.

Follow the instructions provided by your bank or credit union. You may be prompted to update or move the existing enrollment. Because the process can vary by financial institution, contact your bank or credit union if you need help with an account-specific enrollment issue.

What to do if you can't complete Zelle® enrollment

Sometimes you may need additional help getting enrolled. Here are a few common issues to check.

You don't see Zelle® in your banking app

First, confirm that your bank or credit union participates in Zelle. If it does and you still can't find Zelle, check your financial institution's online banking experience or contact it directly to ask where you can access Zelle.

You didn't receive a verification code

Check that the email address or U.S. mobile number you entered is correct and that you can access it. If you still don't receive the code or can't complete verification, contact your bank or credit union for assistance.

You receive an eligibility or enrollment error

Account eligibility and enrollment requirements are determined by your financial institution. If you receive an error you can't resolve by following the instructions on screen, contact the bank or credit union that provides your Zelle experience for account-specific support.

Frequently asked questions about Zelle® signup

Do I create a separate Zelle® account?

No. Consumers enroll in Zelle through a participating bank or credit union rather than creating a separate Zelle account. Start by signing into your financial institution's mobile app or online banking experience and look for Zelle within its payments or transfers section.

Do I need to download a separate Zelle® app?

No, you don't need to download a separate Zelle app. Consumers access and enroll in Zelle through the mobile app or online banking experience of a participating bank or credit union, where available.

Can I enroll in Zelle® on Zelle.com?

No. Zelle.com can help you learn about Zelle and find a participating bank or credit union, but enrollment is completed through your participating financial institution's banking experience.

Can I use Zelle® without a bank account?

To enroll in Zelle, you need an eligible account with a participating bank or credit union. Your financial institution determines account eligibility.

Can I enroll using an email address or mobile number that's already connected to Zelle®?

If an email address or U.S. mobile number is already enrolled with Zelle, you may need to update or move the existing enrollment. Follow the prompts provided by your bank or credit union for instructions specific to your enrollment.

How long does it take to enroll in Zelle®?

Many consumers may be able to follow the enrollment prompts in one session, but the process can vary. Verification requirements, eligibility checks, and enrollment timing are determined by your bank or credit union.

Get started with Zelle®

Signing up for Zelle begins with your bank or credit union. Confirm that your financial institution offers Zelle, sign in to its official mobile app or online banking experience, and follow the prompts to enroll an email address or U.S. mobile number with an eligible account.

Ready to enroll? [Find your bank or credit union.]

Already enrolled? [Learn how to use Zelle.]