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Send and receive money with Zelle®
We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and other people you trust.1
Zelle® is available right from Online and Mobile Banking so you don't need to download anything new to start sending and receiving money!
Using Zelle® is:
Fast
Send and receive money directly from one account to another – typically in minutes.1
Secure
No need to provide your account information to send and receive payments1 with Zelle®.
Easy
Send money to almost anyone you know and trust1 using just your email address or U.S. mobile number.
Easily start today using just your email address or U.S. mobile number:
1
Log in to Freedom Bank's Online Banking
2
Select “Send Money With Zelle®”
3
Accept Terms and Conditions
4
Select your U.S. mobile number or email address and deposit account
That's it! You're ready to start sending and receiving money with Zelle®.
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Personal
Personal FAQs
You can send, request, or receive money with Zelle®.
To get started, log in to online banking or our mobile banking app and navigate to the “Send Money With Zelle®”. To Enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle®.
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 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 to request, 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 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 account, typically within minutes.
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.
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 Freedom 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 where you received the notification to ensure you receive your money.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call us at 201-599-3000 and ask how to move your email address or U.S. mobile phone number to Freedom Bank so you can use it for Zelle®.
Keeping your money and information safe is a top priority for Freedom Bank. 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.
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.1
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.
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 Freedom 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.
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.
To use Zelle®, the sender 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 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 us at 201-599-3000 so we can help you.
We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Freedom Bank 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.
No, Freedom Bank does not charge any fees to use Zelle®.
Your mobile carrier’s messaging and data rates may apply.
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Freedom Bank’s send limits, call us at 201-599-3000.
There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
Small Business
More convenient than cash and checks, encourage customers to pay you with Zelle® right from their mobile banking app.1 You can also pay eligible suppliers and vendors with Zelle®.
Small Business FAQs
Zelle® is a fast, safe and easy way for small businesses to send, receive, and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your Freedom Bank bank account with just your email address or U.S. mobile number.
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to the “Send Money With Zelle®”. To Enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle®.
To send money with 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.” In most cases, the money is available to your recipient in minutes.1
If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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.
To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
To request money using Zelle® with a small business account, click “Send Money With Zelle®”, select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”
If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
There are a few ways you can encourage your customers to pay you with Zelle®.
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
- Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).2
- Download Zelle® marketing assets for free from zellepay.com and add them to your website, social media and more!
Neither Freedom Bank nor Zelle® offers purchase protection for payments made with Zelle®
No, Freedom Bank does not charge a fee to use Zelle® with a small business account
Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app.1
To determine whether your small business account is eligible to enroll with Zelle®, please log into the Freedom Bank app and select “Send Money With Zelle®”. If you are able to enroll with Zelle® using your small business account, then your small business is eligible to use Zelle® with Freedom Bank.
Please call Freedom Bank at 201-599-3000 so we can help you.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
You can only cancel a payment if the small business or consumer 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 us at 201-599-3000 for assistance with canceling the pending payment.
If you send money to a small business or consumer that 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 try to send money to a consumer who is enrolled in the Zelle® app, the payment won’t go through and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending or receiving money to users enrolled in the Zelle® app.
If you sent money to the wrong person, please immediately contact us at 201-599-3000 so we can help you.
Zelle® QR codes provide peace of mind knowing you can send and receive money without typing an email address or U.S. mobile number. Find Zelle® in the Freedom 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 up. To send money, 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 Freedom Bank app, navigating to “Send Money With Zelle®” and clicking your Zelle® settings. From here, you can see your Zelle® QR code.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.
2 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®.
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Copyright © 2023 Freedom Bank. All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
