# Zelle Source: https://www.gatewayfirst.com/digital-tools/zelle Introducing Zelle® - a fast, safe and easy way to send money in minutes1 to your friends and family, right from the Gateway First Bank mobile app. ## This is how money moves—Zelle® A fast, safe, and easy way to send money to your friends and family, right from the Gateway Mobile Banking app. ### Why use Zelle®? - Send money directly from your account to theirs - typically in minutes1 - Safely send or receive money right from your Gateway First Bank app. - Send money to almost anyone you know2 using just an email address or U.S. mobile phone number. ### Get started in your Gateway Mobile Banking app. Log in and go to your menu. Scroll down until you see “Send Money with Zelle®”. Then, enroll with your U.S. mobile number or email address to get started. ### Send money in the moment. Select a contact from your mobile device, or add a new email address or mobile number, add the amount you'd like to send along with an optional memo, review, and hit “Send”. ### Zelle® FAQs #### 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 trust, regardless of where they bank2. #### Who can I send money to with Zelle®? You can send money to friends, family and others you trust2. 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. #### How do I use Zelle®? You can send, request, or receive money with *Zelle*. To get started, log into Gateway First Bank’s online banking or 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 ready to start sending and receiving 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 phone number), add the amount you’d like to send and an optional note, 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”3. 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*. #### 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: Click on the link provided in the payment notification you received via email or text message. Select Gateway First 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. #### 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 only be used to send money to friends, family and others you trust. Neither Gateway First Bank nor *Zelle *offers a protection program 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. #### Are there any fees to send money using Zelle®? Gateway First Bank does not charge any fees to use *Zelle*. #### How do I get started? It’s easy —*Zelle *is already available within the Gateway First Bank’s mobile banking app! 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 bank doesn’t offer Zelle®? You can find a full list of participating banks and credit unions live with *Zelle *[**here**](https://www.zelle.com/participating-banks-and-credit-unions). 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. #### How does Zelle® work? When you enroll with Zelle through the Gateway First 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 Gateway First 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 Gateway First Bank of the incoming payment. Gateway First Bank then directs the payment into your bank account, all while keeping your sensitive account details private. #### Can I use Zelle® internationally? In order to use *Zelle*, the sender and recipient’s bank accounts must be based in the U.S. *1**Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.* *2**Must have a bank account in the U.S. to use Zelle.* *3**In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.* *4**Mobile carrier fees may apply.* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Published: 2025-10-10T20:30:53.813Z