Zelle® is a fast, safe and easy way to send money to friends, family and other people you trust1, regardless of where they bank. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
Send money directly from your account to theirs — typically in minutes1.
Use Zelle® within the app you already trust. No account numbers are shared.
Send money using just an email address or U.S. mobile number.2
WHAT IS ZELLE®?
DOWNLOAD THE BANK FIRST APP:
Once enrolled in Bank First Bill Pay*, you can send money to friends and family:
- Log into the Bank First app.
- In the main menu, select "Transfer and Pay".
- Select "Send Money with Zelle®".
- Enroll your U.S. mobile number or email address.
- You're ready to start sending and receiving money with Zelle®.
*If you are not currently enrolled in Bank First Bill Pay, log in to your account above and enroll, then accept Terms and Conditions. While Bill Pay enrollment is required through your browser, you may access Bill Pay and Zelle® through our mobile app after initial activation.
Frequently Asked Questions:
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®.
1. To get started, log into Bank First’s online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle®.
2. To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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.
3. 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.
4. 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 be sent directly into your bank account and will be available typically within minutes1.
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 Bank First.
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 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 Bank First 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.
HOW DO I GET STARTED?
It's easy — Zelle® is already available within Bank First goBank mobile banking app and online banking within Bill Pay!
Check our app or sign-in online and follow a few simple steps to enroll with Zelle®.
WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE FINANCIAL INSTITUTION DOESN'T OFFER ZELLE®?
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.
HOW DOES ZELLE® WORK?
When you enroll with Zelle® through your online banking Bill Pay account, or mobile banking 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 Bank First).
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 Bank First of the incoming payment. Bank First 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.
CAN I CANCEL A PAYMENT?
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 Customer Care at (920) 652-3106 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 Bank First 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 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 be available in 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 Customer Care at (920) 652-3106.
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 safe is a top priority for Bank First. 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.
I'M UNSURE ABOUT USING ZELLE® TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?
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 Bank First 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.
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 our Customer Care at (920) 652-3106 ask them to move your email address or U.S. mobile phone number to Bank First so you can use it for Zelle®.
Once Customer Care moves your email address or U.S. mobile phone number, it will be connected to your Bank First account so you can start sending and receiving money with Zelle through the Bank First goBank mobile banking app and online banking. Please call Bank First’s Customer Care at (920) 652-3106 for help.