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Send and receive money with&nbsp;Zelle<sup>&reg;</sup>

Send and receive money with Zelle®

Quickly send money to family and friends with Zelle® in TDECU Digital Banking

Need the TDECU Digital Banking app?

Need the TDECU Digital Banking app?

Use Zelle® wherever, whenever with the TDECU Digital Banking app. Download the mobile app today from your preferred app store!

Download TDECU App on the App Store Download TDECU app on Google Play

Just like cash — send money to trusted family and friends who have a bank account in the U.S.

TDECU has partnered with Zelle® so you can easily send money to the ones you know and trust. Zelle® is available with our TDECU Digital Banking account so you don’t need to download anything new to start sending and receiving money.

How to start using Zelle®

  1. Log in to TDECU Digital Banking.
  2. Select "Send Money with Zelle®"
  3. Accept the Terms and Conditions.
  4. Select your U.S. mobile number or email address and deposit account.

That’s it! You’re now ready to start sending and receiving money.

Sending and receiving money with Zelle® is

Fast

Fast

Send money directly from your account to theirs, typically in just minutes.2

Convenient

Convenient

Use your trusted family and friends email address or U.S. mobile phone number.2

Free

Free

There are no fees to send money with Zelle®.1

Do you need a TDECU Digital Banking login?

Enroll today and enjoy all the benefits of digital banking – including Zelle®!

Zelle® Frequently Asked Questions
 

What is Zelle®?

Zelle® is a fast and easy way to send money directly between almost any bank account in the U.S., typically within minutes.2 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

Who can I send money to with Zelle®?

You can send money to friends and family you trust.2

Since money is sent directly from your bank account to another person's bank account within minutes,2 it is important to only send money to people you trust, and always ensure you have used the correct email address or U.S. mobile number.1

How do I enroll with Zelle®?

To get started, log in to TDECU Digital Banking and navigate to the "Send Money with Zelle®" tab.

To enroll:

  1. Accept the terms and conditions
  2. Provide your email address or U.S. mobile number and deposit account
  3. Receive a one-time verification code
  4. Enter the code
  5. Start sending and receiving with Zelle®

How do I send money with Zelle®?

To send money using Zelle®:

  1. Add a trusted recipient's email address or U.S. mobile phone number
  2. Enter the amount you would like to send and an optional note
  3. Review the information
  4. Enter the code
  5. Hit "Send." In most cases, the money is available to your recipient in minutes2

How do I request money with Zelle®?

To request money using Zelle®:

  1. Choose "Request"
  2. Select the individual from whom you would like to request money
  3. Enter the amount you would like to request
  4. Include any optional notes
  5. Review the information
  6. Hit "Request."3

To receive money, share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

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 into your bank account and will be available typically within minutes.2

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 TDECU.
  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 with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What types of payments can I make with Zelle®?

Zelle® is a great way to send money to trusted family and friends.2

Since money is sent directly from your bank account to another person’s bank account within minutes,2 Zelle® should only be used to send money to trusted family and friends.

There is not a dispute process or any kind of purchase protection for any authorized payments made with Zelle® — for example, if you do not receive the item you paid for, or the item is not described or as you expected.

How do I get started?

It is easy — Zelle® is already available within TDECU Digital Banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.

What if I want to send money to someone whose financial institution does not offer Zelle®?

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

If your recipient's financial institution is not on the list, do not 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.

How does Zelle® work?

When you enroll with Zelle® through your digital banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with TDECU).

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 TDECU of the incoming payment. TDECU then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

To use Zelle®, the sender's and recipient's bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. To check whether the payment is still pending because the recipient has not 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. Therefore, it is important to only send money to people you trust, and always ensure you have 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.

Can I cancel a scheduled or recurring payment?

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by TDECU but are a separate service from Zelle® and can take 1 - 3 business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.2

If you send money to someone who is not enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.2

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 are waiting to receive money, you should check to see if you have received a payment notification via email or text message. If you have not 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 contact Member Care at (800) 839-1154.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information secure is a top priority for TDECU. When you use Zelle® within TDECU Digital Banking, your information is protected with the same technology we use to secure your bank account.

I am unsure about using Zelle® to pay someone I do not know. What should I do??

If you do not know the person or are not 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 do not know is high risk). There is not a dispute process or any kind of purchase protection 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.

For resources and tips on how to pay it safe, visit https://www.zellepay.com/financial-education/pay-it-safe 

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 Member Care at (800) 839-1154 and ask them to move your email address or U.S. mobile phone number to your financial institution 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 bank account so you can start sending and receiving money with Zelle® through your TDECU Digital Banking account. Please call Member Care at (800) 839-1154 for help.

What if I don’t receive the items I bought?

You should not use Zelle® to purchase things from people you do not know and trust. There is not a dispute process or any kind of purchase protection. So, if you do not receive the goods you were promised, you will need to handle the matter directly with the seller. However, if you notice other errors or unauthorized charges, please contact us as soon as possible.

What if I accidentally send money to the wrong person?

Sending funds with Zelle® is like using cash. You do not have protections if you send money to the wrong person, and may not be able to get your money back (For more information, see the Zelle® Payment Terms.) Before sending any money, make sure your recipient's contact information is correct and the recipient is someone you know and trust. If you sent money to the wrong person, we recommend contacting the recipient and requesting the money be returned.

1 Mobile network carrier fees as well as applicable service, penalty and account fees outlined in our fee schedule still apply (i.e. — Courtesy Pay, Stop Payment and NSF Fees).

2 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

3 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.

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

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