发送 money fast with Zelle^®

很容易! Zelle^® 已在Patelco移动应用程序和Patelco在线^™.

1. Log in to Patelco在线^™ 或使用您现有的网上银行用户名及密码登入手机应用程式.
2. In Patelco在线^™, hover over 转移 & 支付 in the main menu. Select Zelle^®. 在移动应用中，选择更多的(或三行)，然后选择 转移 & 支付,然后 Zelle^® and follow the steps to enroll.

 
您可以使用您的美国手机或电子邮件地址注册. (You must be 18 or older to enroll.)
 
NOTE: The phone number or email address you enter will need to match your online banking profile. You can update your profile by visiting the settings section of Patelco在线^™ or the 手机应用程序.

For your security, we restrict the number of transactions and the dollar amount you can send to recipients in any 24-hour and 30-day period. 使用Zelle，您可以收到的金额没有限制^®.
 
In Patelco在线^™ or the 手机应用程序, you can select the question icon next to limits to see your remaining available daily limit.

T在这里 is no fee to use Zelle^® within our 手机应用程序 or Patelco在线^™. 有时, you may receive notifications via text message if you have enrolled your US mobile phone number. 你的无线运营商可能会按短信收费, 因此，在使用这项服务之前，请检查你的无线计划.

是的. If you’re an existing Zelle^® user and you want to continue receiving and sending money at your other bank or credit union, you should use a different US mobile number or email address to enroll with Zelle^® 在Patelco. For instance, if you already use Zelle^® at another institution using your email address, you could enroll with Zelle^® 在Patelco using your US mobile number. If you only want to use Zelle^® 帕特尔科的学生，而你已经加入了泽尔^® 在另一家银行，当你在Zelle注册时^® 在Patelco, you will have the option to transfer your existing mobile number or email 从 that bank.

是的. Members must be 18 or older to use Zelle^®.

When you enroll with Zelle^® 通过Patelco, 你的名字, the name of your bank (or credit union), 您注册的电子邮件地址或美国手机号码与Zelle共享^®. 任何敏感的账户细节都不会被分享.
 
When someone sends money to your enrolled email address or US mobile number, Zelle^® looks up the email address or mobile number in its directory and notifies Patelco of the incoming payment. 然后，帕特尔科会把钱转到你的支票账户或储蓄账户, 同时保持您的敏感帐户详细信息的私密性.

You can use Zelle^® 给家人送钱、礼物或分担费用, 朋友和其他你熟悉的人, such as your personal trainer, babysitter or neighbor.¹
 
Since money is sent directly 从 your bank account to another person’s bank account within minutes,¹ Zelle^® 应该只用来给你认识和信任的人汇款吗. If someone you don’t know asks you to send money to them for particular things to be received in the future, Zelle^® may not be the best option.
 
Neither Patelco nor Zelle^® 为任何与Zelle的授权付款提供保护计划^®; for example, if you send money with Zelle^® but do not receive the item you paid for, or if the item is not as you expected.

常规的 储蓄, 检查 and Money Market (non-爱尔兰共和军) accounts can be used with Zelle^®. 在Patelco，商业和公司账户没有资格使用Zelle^® 在Patelco as it is intended to be used to send or receive money with family or friends. 账户中必须有可用资金才能向Zelle汇款^®.

保证你的资金和信息安全是最重要的. When you use Zelle^® within our 手机应用程序 or in online banking, your information is protected by the same technology we use to keep your credit union account safe. Remember, your Zelle^® 收件人不会看到你的帐号，你也不会看到他们的. As a reminder, make sure you send money only to people you know and trust in order to avoid scams.

In order to use Zelle^® ，发件人和收件人的银行账户都必须在美国.

To send money using Zelle^®，登录Patelco移动应用程序并选择 更多的 (or the three lines),然后 go to 转移 & 支付然后是Zelle^®. 招收ment is required.

1. Select 发送 and add your trusted recipient’s email address or US mobile phone number (you can also allow access to your phone contacts to find friends who already use Zelle^®) Learn how in this short and 互动演示.
2. 输入您要汇款的金额. You can add an optional note as well.
3. Review the information and tap 发送. 在大多数情况下，钱在几分钟内就能送到你的收件人手中.¹

你应该只把钱寄给你认识和信任的朋友、家人和其他人. You can find which friends are using Zelle® by allowing access to your contacts. 那些已经注册的将使用Zelle^® Z next to their name. Since money is sent directly 从 your Patelco bank account to another person’s bank account within minutes¹, 只把钱寄给你认识的人很重要, 并确保你使用了正确的电子邮件地址或美国手机号码.
 
收钱, 分享您的个性化二维码(根据要求), select view my QR code), your enrolled email address or your US mobile phone number with a friend or family member and ask them to send you money using Zelle^®.

发送ing money with Zelle^® is similar to using cash. Before sending money, make sure your recipient’s contact information is correct and that the recipient is someone you know and trust. Neither Patelco nor Zelle^® 为任何与Zelle的授权付款提供保护计划^® for example, if you send money with Zelle^® but do not receive the item you paid for, or the item is not as described or as you expected.
 
If you sent money to the wrong person, 我们建议与收款人联系，要求退还款项. 如果你不能拿回你的钱，请打电话给我们 800.358.8228 so we can help you.

You can find a full list of participating banks and credit unions that Zelle^® 在这里. If the person’s bank is not on the list, that’s okay – they can still enroll with Zelle^®. 参与的金融机构的名单一直在增长, 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, a U.S. mobile number, and a Visa^® 或万事达卡^® debit card with a U.S.-based account (does not include U.S. 领土). Zelle^® does not accept any credit cards or debit cards associated with international deposit accounts.

You can 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, 然后选择 取消 This 支付ment.
 
如果你寄钱的人已经在Zelle注册了^®，钱会直接打到他们的银行账户，不能取消. 这就是为什么只把钱寄给你信任的人很重要, and always ensure you ‘ve used the correct email address or US mobile number when sending money.
 
If you sent money to the wrong person, 我们建议联系收款人并要求退款. 如果你不能拿回你的钱，请打电话给我们 800.358.8228 so we can try to help you.

To request money using Zelle^® 从 Patelco在线^™, 从 the main menu hover over 转移 & 支付，然后选择 Zelle^®. In the 手机应用程序, select 更多的 (or the three lines)，然后选择 Zelle^®.

1. 利用 请求 然后选择你想向他要钱的人.
2. 输入您想要的金额. You can also include an optional note.
3. Review the details and select 请求.²

If you’ve already enrolled with Zelle^®: 你不需要采取任何进一步的行动. The money will move directly into your bank or credit union account, typically within minutes¹. You will receive a notification via text or email to inform you that money was sent to you.
 
If you’re not enrolled with Zelle^®:
 
您将收到一封电子邮件或短信，通知您资金已发送给您. Review this message 然后选择 the link in the payment notification you received.
选择Patelco作为您的金融机构.
 
Follow the instructions provided on the page to enroll and receive your payment. You should enroll with Zelle^® using the email address or US mobile number w在这里 you received the notification to ensure you receive your money.

是的. If you need to edit a contact, use the 设置 tab within Zelle^®. 要访问设置选项卡，请登录Patelco移动应用程序并转至 发送 Money with Zelle^®. In Patelco在线^™ go to the main menu and select 转移 & 支付,然后 发送 Money with Zelle^®. 选择 设置 按TAB键，然后 联系人. 选择要编辑的联系人的名称，然后选择 保存.

For assistance, visit our 欺诈中心 and follow the steps provided.