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 bank account and will be available typically within minutes. ³

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 The Summit.
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.

Zelle^® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.².

Since money is sent directly from your bank account to another person’s bank account within minutes ³, Zelle^® should only be used to send money to friends, family and others you trust.

Neither The Summit 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.

It’s easy – Zelle^® is already available within The Summit’s mobile banking app and online banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

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.

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 The Summit).

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

In order to use Zelle^®, the sender’s and recipient’s bank accounts must be based in the U.S.

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 the person you sent money to has already enrolled with Zelle^®, 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 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our member service team at so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by but are a separate service from Zelle^® and can take one to three 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.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes ³.

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 be available directly in your recipient’s account, typically within minutes ³.

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 our member services at (800) 836-7328.

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

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 Summit FCU 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 Summit FCU app, navigating to [“Send Money with Zelle^®”] and clicking your Zelle^® settings. From here, you can see your Zelle^® QR code.

Keeping your money and information safe is a top priority for us. 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 safe.

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 The Summit 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our member services at (800) 836-7328 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 member 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 banking app and online banking. Please call our member services at (800) 836-7328 for help.