Zelle®
Send or receive money with Zelle®. It’s fast, easy and secure.
Checking accounts with Zelle®: free and interest-earning options.
Whether it’s saving you a trip to the ATM or taking the guesswork out of divvying up the cost of the lunch tab, your free checking account with Zelle® gives you a fast and easy way to send and request money.
Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is their email address or U.S. mobile phone number. Your money is then securely transferred in moments. What could be easier?
Zelle® and your choice of fee-free or interest-bearing checking? That’s a powerful combo!
How to get started:
- Log into online banking.
- Navigate to “Move Money.”
- Select “Zelle®.”
- Accept terms.
- Choose “Get Started.”
- To enroll, provide your email or phone number.
- Enter the verification code you receive.
- Select token option. You will be prompted to choose your deposit account.
- Once you complete the steps above, you will receive a confirmation of enrollment.
Send
Send money fast in just a few steps.
Request
Settle up with family, friends and more, no matter where they bank.1
Split
Easily split the cost of the check for dinner, coffee and more.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Zelle® frequently asked questions.
No, First Internet Bank does not charge any fees to use Zelle® in the First Internet Bank app or online banking.
Your mobile carrier’s messaging and data rates may apply.
Zelle® payments cannot be reversed.
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 you do not see this option available, please contact a Relationship Banker at bank@firstib.com or 1-888-873-3424 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app, 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, please immediately call a Relationship Banker at 1-888-873-3424 so we can help you.
In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.
It’s easy – Zelle® is already available within online banking and your mobile banking app! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.
Zelle® QR codes provide peace of mind knowing you can send money to the right person without typing an email address or mobile number. Find Zelle® in the First Internet Bank app, click “Send,” then click on the QR code icon displayed at the top of the “Recipients” 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 and 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. You can also locate your Zelle® QR code by opening the First Internet Bank app, navigating to [“Send Money with Zelle®”] and clicking your Zelle® settings. From here, you can see your Zelle® QR code.
You can send, request, or receive money with Zelle®. To get started, log into the First Internet Bank mobile app or online banking, navigate to Move Money and select “Send Money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your First Internet Bank account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select First Internet Bank.
- 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 to ensure you receive your money.
When you enroll with Zelle® through your online banking account, or mobile 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 your financial institution).
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 your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.
Money sent with Zelle® is typically available to an enrolled recipient within minutes1.
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 your recipient’s account, typically within minutes1.
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 contact your financial institution’s customer service.
1To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled consumers typically occur in minutes. Check with your financial institution.
Please contact a Relationship Banker at bank@firstib.com or 1-888-873-3424. Qualifying imposter scams may be eligible for reimbursement.
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 First Internet Bank nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Keeping your money and information safe is a top priority. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s financial institution 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.
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.
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 only be used to send money to friends, family and others you trust.
Neither First Internet Bank nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled consumers typically occur in minutes. Check with your financial institution.
2 Based on a Q3 2024 survey of financial institutions offering Zelle® to their customers, 99.44% of consumer saving and checking accounts linked to Zelle® do not charge a fee to send, receive, or request money.
<span data-metadata="<span data-buffer="You can send money to friends, family and others you trust1.
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.
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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
Neither First Internet Bank nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
1Who can I send money to with Zelle®
Yes! They will receive a notification via email or text message.