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Zelle

Start sending
money with Zelle®
It's a fast, safe and easy way
to send money. 

 

Zelle is a convenient way to send money
using your mobile banking app or online banking account.

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes¹, and all you need is the recipient's email address or U.S. mobile phone number.

 

Mobilize your money
with Zelle.

Zelle Send

SEND

Send money
fast in just a
few steps.

Zelle Request

REQUEST

Settle up with
roommates, friends
and more, regardless
of where they bank2.

Zelle Split

SPLIT

Easily divide the
check for dinner,
coffee and more. 

Frequently Asked Questions

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 services at 914-368-9919 so we can help you.

Scheduled and recurring payments are not sent with Zelle. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

CAN I USE ZELLE INTERNATIONALLY?

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

HOW DO I GET STARTED?

It's easy — Zelle is already available within The Westchester Bank's 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 today.

HOW DO I USE ZELLE?

You can send, request, or receive money with Zelle.

  1. To get started, log into The Westchester Bank'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.
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 The Westchester 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 The Westchester Bank of the incoming payment. The Westchester Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH ZELLE?

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 move directly to 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 services at 914-368-9919.

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 The Westchester 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.

IS MY INFORMATION SECURE?

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

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:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select The Westchester Bank.
  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 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 support team (914-368-9919) and ask them to move your email address or U.S. mobile phone number to The Westchester Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your The Westchester Bank account so you can start sending and receiving money with Zelle through the The Westchester Bank mobile banking app and online banking. Please call The Westchester Bank's customer support toll-free at 914-368-9919 for help.

  

Don't have our mobile app?
Download it for free:
 Download on the App Store Get it on Google Play 

 

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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 enrolled with Zelle.


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