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BBB Announces Military & Veterans Initiative Advisory Board
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NEW YORK and ARLINGTON, VA – The BBB Institute for Marketplace Trust (BBB Institute) and the educational foundation of the International Association of Better Business Bureaus (IABBB), has announced members of the Military & Veterans Initiative Advisory Board. This advisory board’s initial focus will be on guiding the development of a program to educate our Nation’s active-duty military, veterans, and their families about safely navigating the marketplace, and to empower their financial security. The program is sponsored by Zelle in partnership with the Association of Military Banks of America (AMBA).

Through this year-long “train-the-trainer” program, BBB Institute will prepare a select cohort to deliver in-person and virtual training to military families and veterans across the U.S. The goal is to help veterans, service members, and their families navigate real-life financial situations and plan for their future. Trainers for this program will include community outreach professionals from local U.S. BBBs as well as credit counselors from the National Foundation for Credit Counseling (NFCC) and Accredited Financial Counselors from the Association for Financial Counseling & Planning Education® (AFCPE). The train-the-trainer program is expected to launch in Q3 2024. 

The program’s curriculum is tailored to the military and veteran community with guidance from subject matter experts serving on the BBB Military & Veterans Initiative Advisory Board. Members include:

  • Kris McBride, Chief Operating Officer, Air Force Aid Society
  • Eldon Mullis, COO, Army Emergency Relief
  • Valerie Richards, Education Programs Manager, Association for Financial Counseling & Planning Education®
  • Andia Dinesen, EVP – Communications & Operations, Assoc. of Military Banks of America
  • Shelley Polansky, CEO, Better Business Bureau-Northern Colorado/Wyoming
  • Fredlena Cosby, Marketing & Communications Manager, Better Business Bureau-SE VA/NE NC
  • Jason Wong, COO, Coast Guard Mutual Assistance
  • Edward Carr, Military Affairs, Comcast NBCUniversal
  • Shay Cook, Financial Readiness Manager, FINRA Investor Education Foundation
  • Tara Alderete, Director Enterprise Learning, National Foundation for Credit Counseling
  • Tammy Barlet, VP Government Affairs, Student Veterans of America
  • Monica Rivera, Chief-Stakeholder Engagement & Organizational Change Mgmt., U.S. Dept. of Veterans Affairs
  • Ben Chance, Chief Fraud Risk Management Officer, Zelle®
  • Nolan Ashton, Senior Partnerships Manager, Zelle® 

More information about the Military & Veterans Initiative can be found on the BBB Institute website. 

About BBB 

The Better Business Bureau has empowered people to find businesses, brands, and charities they can trust for over 110 years. In 2023, people turned to BBB more than 218 million times for BBB Business Profiles on 5.3 million businesses, and 80,000 times for BBB charity reports on about 12,000 charities, for free at BBB.org. The International Association of Better Business Bureaus is the umbrella organization for the local, independent BBBs in the United States and Canada. 

About the BBB Institute for Marketplace Trust 

The BBB Institute for Marketplace Trust (BBB Institute) is the educational foundation of the International Association of Better Business Bureaus. The organization’s mission is to educate and protect consumers, promote best practices for businesses, and solve complex marketplace problems. BBB Institute’s consumer educational programs, which include a wide array of resources on fraud prevention and education, are delivered digitally and in person by BBBs serving communities across the United States and Canada. You can find more information about BBB Institute and its programs at BBBMarketplaceTrust.org. 

About Zelle®

Zelle® is transforming how money moves, with more than five billion digital payments sent since its launch in 2017. The Zelle Network® connects more than 2,100 bank and credit union brands of all sizes, enabling consumers and businesses to send digital payments to people and businesses they know and trust with an eligible bank account in the U.S. Money is available directly in bank accounts generally within minutes when the recipient is already enrolled with Zelle®. To learn more about Zelle® and participating financial institutions in the Zelle Network®, visit www.zelle.com. Zelle® is brought to you by Early Warning Services, LLC, an innovator in payment and risk management solutions. 

About the Association of Military Banks of America 

The Association of Military Banks of America (AMBA) was founded in 1959. AMBA is a not-for-profit association of banks operating on military installations, banks not located on military installations but serving military customers, and military banking facilities designated by the U.S. Treasury. The association’s membership includes both community banks and large multinational financial institutions, all of which are insured by the Federal Deposit Insurance Corporation.

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Zelle® Partners with Older Adults Technology Services (OATS) to Offer Free e-Learning Classes
Zelle® Partners with Older Adults Technology Services (OATS) to Offer Free e-Learning Classes

Partnership helps older adults stay safe at home by learning new digital banking habits.

Consumers Leverage Zelle® to Send and Receive Money in Times of Need
Consumers Leverage Zelle® to Send and Receive Money in Times of Need

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Gift Giving Helps Zelle® Wrap Up 2019 with Double Digit Growth
  • $56 billion in payments processed on 230 million transactions during Q4 2019; growth of 14% and 17%, quarter-over-quarter, respectively.
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Show Them the Money: 2019 Top Holiday Gifting Trends by Zelle®
Show Them the Money: 2019 Top Holiday Gifting Trends by Zelle®
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Zelle® and EVERFI Partner on Digital Financial Literacy Programs for High School Students Nationwide
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Curriculum provides 50,000 students with the knowledge to navigate the risks and rewards of banking in the digital age.

Zelle® Announces Q3 2019 Results; $49 Billion Sent on 196 Million Transactions
Zelle® Announces Q3 2019 Results; $49 Billion Sent on 196 Million Transactions

Year-over-year payment values increased by 58%; Year-over-year transaction volume increased by 73%.

Zelle® Announces $44 Billion Sent on 171 Million Transactions in Q2 2019
Zelle® Announces $44 Billion Sent on 171 Million Transactions in Q2 2019

Year-over-Year transaction values increased by 56%; Year-over-Year transaction volume increased by 71%.

Zelle® is Money in the Bank: Digital Payment Service Replaces TBT’s Oversized Check
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Zelle® named Official Partner of The Basketball Tournament.

 

Zelle® Announces $39 Billion in Money Sent on 147 Million Transactions
Zelle® Announces $39 Billion in Money Sent on 147 Million Transactions
  • Year-over-Year transaction values increased 54%; Year-over-Year transaction volume increased by 72%.
  • Core processor partners sign 139 regional banks and credit unions onto the Zelle Network® in Q1 2019.
  • New Marketing Campaign Illustrates how Zelle makes “Everyday Better” for All Generations.
Make Room Millennials, Zelle® Study Finds Generation X and Boomers Driving Broader Adoption of Person-to-Person (P2P) Payments
Make Room Millennials, Zelle® Study Finds Generation X and Boomers Driving Broader Adoption of Person-to-Person (P2P) Payments

Early Warning Services, LLC, the network operator behind Zelle, today released the results of its second Digital Payments Adoption Study (“study”).

Disbursements with Zelle®

Disbursements with Zelle®

If you’re using Zelle® to send and receive money with friends, family and perhaps a small business, then you already know that Zelle® is a fast and easy way to move money in the moment. But, did you know that you can also receive money from organizations, companies and even the government with Zelle®? This is also known as a disbursement.

Receiving money this way with Zelle® is just as easy – no additional enrollment steps or downloads needed if you’re already enrolled with Zelle® through your banking app!

Purple rocket ship

FAST

No need to wait for a check or a prepaid card to arrive in the mail.  Your money will be sent directly to your bank account1.

safe

SAFE

Receive money using just an email address or U.S. mobile number, no need to share your bank account information.

easy

EASY

If you've never used Zelle®, you can enroll to receive your money in just a few simple steps.

Here’s how receiving money with Zelle® works:

  1. First, make sure you’re enrolled with Zelle®. If you’re not, visit enroll.zellepay.com, and follow the steps to enroll.
  2. Second, know the email or U.S. mobile number you enrolled with Zelle®. If you aren’t sure what email or mobile number you enrolled, check with your bank, or if you enrolled with the Zelle® app, tap the gear icon to check. This email or U.S. mobile number is linked to the bank account you selected at enrollment.
  3. Third, provide the email or U.S. mobile number you enrolled. Typically, the company offering to pay you with Zelle® will ask you for this information. Your enrolled email or U.S. mobile number will enable the money you receive to go directly into the bank account you selected.

When the company sends you money, you’ll get a payment notification to your enrolled email or mobile number letting you know the money is on the way!

Getting paid with Zelle® is fast, safe and easy . Get started at enroll.zellepay.com today.

FAQs:

What if I accidentally deleted the email or text message telling me to enroll with Zelle®?

Don’t worry! Just visit enroll.zellepay.com and follow the simple steps to enroll with Zelle®. If you received a payment notification, be sure to enroll the same email address or U.S. mobile number your payment notification was sent to.

Who do I call for help?

Please contact the customer support team at the organization that sent you money with Zelle® for questions regarding payments and payment status.

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Using Zelle® with a Small Business Account

Using Zelle® with a Small Business Account

Using Zelle® with a Small Business Account

Can I cancel a payment I made to a small business?
No, not if the small business is already enrolled with Zelle®. Make sure you’re satisfied with the item or service from the small business before you pay because you can’t cancel a payment if you send money to someone already enrolled with Zelle® - because money moves quickly - directly into the recipient's bank account typically within minutes1. You may check with your bank or credit union to see what other options may be available to you. Only send money to small businesses you trust, and always ensure you have the correct email address or U.S. mobile number for the business you're trying to send money to.
 

How do I know which small businesses I can pay with Zelle®?
The easiest way to find out is to simply ask the business if they accept Zelle®. If they accept Zelle®, you and the business will be able to use the service to send and receive money in minutes1. If the business doesn’t offer Zelle® and you think it would be great if they did, suggest that they check with their bank to see if Zelle® is available as a fast, safe and easy way for them to send and receive money with their customers! And remember: Only send money with Zelle® to friends, family and businesses you trust.
 

Is there a limit on the amount of money I can send and receive with Zelle®?
Your financial institution determines this. Please reach out to your bank or credit union directly to find out what specific limits they have for their customers.

How do I know if another small business or consumer can pay me with Zelle®?
The easiest way to find out is to simply ask if they’re enrolled with Zelle®. If it’s a consumer, let them know they can look for Zelle® in their banking app.
 

If it’s a business that doesn’t offer Zelle® and you think it would be great if they did, suggest that they check with their bank to see if Zelle® is available as a fast and easy way for them to send and receive money with other eligible business like yours and their customers!
 

Can I use Zelle® for my small business if my bank doesn’t offer Zelle®?
In order to use Zelle® with your business account, your bank or credit union must currently offer Zelle® for your business account type. Please note that not all banks and credit unions offering Zelle® to consumers offer Zelle® for small businesses. So, contact your financial institution directly to confirm.
 

Is there a limit on the amount of money I can send and receive with Zelle®?
Your financial institution determines this. Please reach out to your bank or credit union directly to find out what specific limits they have for their customers.
 

I use Zelle® for free as a consumer. Is there a fee to use Zelle® with a small business account?
It depends. Check with your financial institution to see what fees may apply. Read the updated terms and conditions provided by your financial institution and accept them to use Zelle®.

Eligible small businesses can use Zelle® to send and receive money. Zelle® does not report transactions made on the Zelle Network® to the IRS, including payments made for the sale of goods and services. The law requiring certain payment networks to provide forms 1099K for information reporting on the sale of goods and services does not apply to the Zelle Network®. If payments you receive on the Zelle Network® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

Sending to a Zelle® tag is just like sending to a recipient’s email address or U.S. mobile number. Find Zelle® in your mobile banking app, click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, enter the amount, hit “Send,” and the money is on the way. Make sure to double check that the Zelle® tag is typed correctly, and when sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money.
 
At this time, the ability to create a Zelle® tag is only available to eligible small business account holders. Please confirm with your bank or credit union if you are eligible to create a Zelle® tag for your small business.
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Your Zelle® Profile

Your Zelle® Profile

Your Zelle® Profile

Not yet! An email address and U.S. mobile number can only be enrolled with one bank account.

Please check your bank or credit union’s mobile app or online banking support FAQs or contact their customer support team for help changing accounts.

If you are using Zelle® through your mobile banking app, please contact your bank or credit union to cancel your Zelle® service.

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Using Zelle®

Using Zelle®

Using Zelle®

This FAQ is for informational purposes and only relates to The Zelle® Network. Zelle® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.
 

Does Zelle® report how much money I receive to the IRS?

Zelle® does not report transactions made on the Zelle® network to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle® network.
 

Does Zelle® tax me on money that I receive?

Zelle® is a payment platform. Zelle® does not impose taxes on transactions made on its network. If payments you receive on the Zelle® network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
 

Will Zelle send me a 1099K form?

Zelle® does not issue 1099K forms for payments made on the Zelle® network.
 

Does Zelle® report any payments I receive over $600 to the IRS?

Zelle® does not report any transactions made on the Zelle® network to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle® network. If payments you receive on the Zelle® network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
 

I have a small business account. Will Zelle® report how much money I receive to the IRS?

Eligible small businesses can use Zelle® to send and receive money. Zelle® does not report transactions made on the Zelle® network to the IRS, including payments made for the sale of goods and services. The law requiring certain payment networks to provide forms 1099K for information reporting on the sale of goods and services does not apply to the Zelle® network. If payments you receive on the Zelle® network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

It’s easy — if your bank or credit union offers Zelle®, it’s already available in your mobile banking app or online banking! Check your mobile banking app or sign-in to your online banking site and follow a few simple steps to enroll with Zelle®. You can find a list of participating banks and credit unions offering Zelle®.
 

Don’t see your bank or credit union listed? Don’t worry! Our network of participating financial institutions is always growing. Keep checking our Get Started page to see if your bank or credit union has joined.

You can send, request, or receive money with Zelle®. After you’ve enrolled, simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes1. To receive money, just share your enrolled email address or U.S. mobile number with a friend or person you trust and ask them to send you money with Zelle®.

Don’t worry! Our network of participating financial institutions is always growing. Keep checking our Get Started page for the full list.

Zelle® is a great way to send money to friends, family or 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 on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions, which are potentially high risk.
 

Zelle® does not offer purchase protection - for example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described or as you expected. You may check with your financial institution to confirm if purchase protection is offered under certain terms and conditions.

If your bank or credit union offers Zelle®, you can send money to people you know and trust with an eligible bank account in the U.S.
 

Don’t know if your bank offers Zelle®? Check here to see if they offer Zelle®.

Knowing your friends, family and those you trust are enrolled with Zelle® is simple, we’ve tagged your contacts that are already using Zelle® with a purple “Z”. Don’t see the purple “Z” on a contact? Not a problem! You can still send them money with Zelle®.
 

What are my options if I don't want others to see the purple "Z" and know that I'm using Zelle®?

At present, the only option is to unenroll from Zelle®. We don't want to see you leave, but if you've made that decision, please contact your bank or credit union to unenroll with Zelle®.

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 associated with your profile, typically within minutes1.


If you have not yet enrolled your Zelle® profile, follow these simple steps:
 

  1. Click on the link provided in the payment notification.
  2. Select your bank or credit union.
  3. Follow the instructions provided on the page to enroll and receive your payment.

Note: Make sure you check that the email address or U.S. mobile number that you provided to the sender is enrolled with Zelle®. If you provided an email address or U.S. mobile number that is not yet enrolled with Zelle®, contact your bank to register your email address or U.S. mobile number that your sender used to send the payment with Zelle®.

Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.
 

  • Find Zelle® in your banking app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen.
  • Your phone’s camera will open.
  • To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way!

When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
 

How do I find my own Zelle® QR code?

To locate your own Zelle® QR code, click the “My Code” tab. From here you can view your QR code and use the print and share icons to text, email or print your Zelle® QR code.
 

Note: The QR code is not available at all Financial Institutions.
 

After scanning a Zelle® QR code and landing on zellepay.com, I located my bank, but it says the ability to use a Zelle® QR code is coming soon. Now what do I do?

Your bank or credit union does not offer Zelle® QR code yet. Until it does, you can still send money to those you know and trust by opening your banking app and sending money using the recipient's U.S. mobile number or email address.
 

After scanning a Zelle® QR code and landing on zellepay.com, I located my bank, but it says the ability to use a Zelle® QR code is coming soon. I know my financial institution offers Zelle® QR code, so now what?

When in doubt, open your bank or credit union app and navigate to Zelle®. If your bank or credit union offers Zelle® QR code, you will be able to click the QR code icon displayed at the top of the “Select Recipient” screen, scan the QR code and send money. If they do not yet offer Zelle® QR code, you can still send money the way you have before by using the recipient’s U.S. mobile number or email address.

If the person you’re sending money to hasn’t enrolled yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled.
 

Once they’ve enrolled their profile, they’ll receive the money directly into the bank account they have associated with their profile. If the recipient doesn’t enroll their Zelle® profile within 14 days, the payment will expire, and the funds will be returned to your account.

Yes! They will receive a notification via email or text message. The message may be sent by Zelle® or by their bank or credit union.

Please contact your bank or credit union directly to learn more about their sending and receiving limits through Zelle®.

First, check the payment status within your payment activity in your bank’s online or mobile service. If the payment status is pending, the recipient may not have enrolled their mobile number or email address to receive the payment. At this point, you have the option to cancel the payment.
 

If the payment status is completed, then the money is already in the recipient’s bank account. If you aren’t sure of the status of your payment, contact your bank or credit union’s customer support team.

If you sent money to the American Red Cross with Zelle®, the American Red Cross will provide you with a receipt upon request. To obtain a receipt, contact the American Red Cross customer service line at 855-266-0721 or email donorsupport@redcross.org. The American Red Cross will need your first name, last name, donation amount, and donation date in order to obtain a receipt.

No, Zelle® payments cannot be reversed. With Zelle® money moves into an enrolled recipient’s account within minutes and cannot be reversed.

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. You can go to your activity page within the Zelle® experience, choose the payment you want to cancel, and then select “Cancel This Payment.”
 

If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s 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.

Please contact your bank or credit union’s customer support team. Qualifying imposter scams may be eligible for reimbursement.
 

You may also report impostor scams to the Federal Trade Commission.

Sending to a Zelle® tag is just like sending to a recipient’s email address or U.S. mobile number. Find Zelle® in your mobile banking app, click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, enter the amount, hit “Send,” and the money is on the way. Make sure to double check that the Zelle® tag is typed correctly, and when sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money.
 
At this time, the ability to create a Zelle® tag is only available to eligible small business account holders. Please confirm with your bank or credit union if you are eligible to create a Zelle® tag for your small business.
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Enrolling with Zelle®

Enrolling with Zelle®

Enrolling with Zelle®

There are a couple of reasons you may not be able to enroll your U.S. mobile number:
 

  • It is already enrolled with Zelle® at a different bank or credit union
  • The phone number you provided is not a U.S. mobile number (international numbers and landlines are not accepted)
  • The phone number you are enrolling with begins with 1-800 (1-800 numbers are not eligible to enroll)

Your mobile number or email address may already be enrolled with a bank or credit union that offers Zelle®.
 

If this is the case, you may re-enroll with the same mobile number or email address within the banking app of the new bank you are enrolling with. Once completed, you may start sending and receiving money with Zelle®. If you aren’t sure where you initially enrolled, contact Zelle® Support at 844-428-8542 or get in touch through our support page at zelle.com/support/contact.

Check with your financial institution. Some financial institutions may offer Zelle® to customers under 18 years old under certain terms and conditions.

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Zelle® Network Processor Partner | FIS

Zelle Network® Processor Partner

FIS

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Zelle® Support and Contact Information | Help Through Your Bank

Contact Us

How can we help you with Zelle®?

When using or enrolling with Zelle® within your financial institution’s mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. For further assistance, please reach out directly to your financial institution at the number on the back of your debit card.

Using Zelle®

Click here for FAQs about how to use Zelle®.

Fraud/Scam Information

Click here for information about fraud/scams and how to report these transactions.

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