Send money with Zelle®
A fast, easy way to send and receive money
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Zelle® is a way to send money directly to almost any eligible bank account in the U.S.. With an email address or U.S. mobile phone number, you can quickly, and easily send money to people you trust, regardless of where they bank.1
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Keeping your money and information safe is a top priority for Citizens, and when you use Zelle® within the Citizens' mobile app or Online Banking, your information is protected with the same technology we use to keep your bank account safe.
Ready to get started?
Easy access via Online and Mobile Banking
Login to start sending and receiving money with Zelle®
Online Banking users have access to deposit accounts, loans and lines of credit, credit cards, and mortgages. Business users have access to deposit accounts, overdraft lines of credit, and some loans and lines of credit. Business customers may request that other business or personal accounts on which they have an eligible account ownership be linked to their online profile.
Enjoy a wide array of services, including:
- View transaction history
- Access statements and tax form via Document Center
- Process transfers between eligible accounts
- Pay bills and add billers
- Use Zelle to send and receive money directly between almost any eligible U.S. bank accounts typically within minutes1
Security
When you use Zelle within Citizens' Online or Mobile Banking, your information is protected with the same technology we use to keep your bank account secure
How Citizens protects you:
- Customizable security alerts
- Password protected log-in
How to protect yourself:
- Monitor your Citizens accounts using Online Banking and Bill Pay
- Create a unique password for your Online Banking account that you don't use for any other web account
- Update your anti-virus and anti-spyware software frequently
- Keep your computer’s operating system up to date, and accept update prompts
- Do not open or respond to emails from senders you don’t know
- To report any type of fraud concerning your Citizens accounts, call us at 1-877-229-6430
Getting started with Zelle®
How to access Zelle® from Citizens Online Banking
- Log in
- Select “Send Money with Zelle®” from “Pay Bills and People” menu
- Choose ‘Send’, ‘Request’, ‘Split’
- Select or enter a contact and enter an amount
- Watch your money move in minutes1
How to access Zelle® from Citizens Mobile Banking
- Make sure you have the updated app
- Open and login to Citizens Mobile Banking app
- Select ‘Send Money with Zelle’ from the app menu
- Choose ‘Send’, ‘Request’, ‘Split’
- Select or enter a contact and enter an amount
- Watch your money sent in minutes1
Your safety and security are our number one priority
Protect yourself when you bank and shop online. From Phishing and Pharming to malware and work-from-home scams, there are many online threats whose goal is to steal both your identity and your money. At Citizens, your safety and security is our number one priority. In fact, there are a number of ways to protect yourself from online fraud and identity theft.
Secure logins
Each time you log in to Citizens Online Banking, we run a check on your Web browser to help ensure that your transactions will be secure. In addition, you'll be asked to provide a login ID and a password.
We encourage you to change your Online User Id from the User ID created when you were enrolled in Online Banking. After you log into Online Banking, click on the Service Center tab at the top of the page, and then click on "Change your online User ID or password". Change your Online User Id to something that is known only to you and is easy for you to remember.
If you leave your computer unattended or forget to exit, we will automatically end your online banking session after a few minutes. It's another way we work to keep your information safe and confidential.
State-of-the-art encryption technology
The information exchanged between your Web browser and Citizens is encrypted for your protection. Encryption is the process by which information is translated into un-interpretable code and then back into recognizable information.
Firewalls
Citizens data systems are protected by firewalls that are set up between our systems and the Internet. Any incoming messages must first pass through our firewall, which allows only certain types of messages to be sent through. This means only legitimate online banking messages will be recognized. Any other requests will be rejected before they can reach our systems.
Customer Service
For 24/7 access to our helpful digital banking specialists, simply call 1-800-656-6561.
How to enroll in Zelle®
See how to complete the most popular tasks on our app, from mobile check deposit to bill pay, in our collection of short demo videos.
Video
Frequently Asked Questions
Zelle® is a way to send money directly to almost any bank account in the U.S.-typically within minutes1. With an email address or U.S. mobile phone number, you can now quickly, safely, and easily send money to people you trust, regardless of where they bank2.
You can send money to friends, family and people you know and trust.2 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. Zelle® should only be used to send money to friends, family or 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 on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions. These transactions are potentially high risk, neither Zelle® nor Citizens offers a protection program for any authorized payments made with Zelle® — for example, if you make a purchase using Zelle® but you do not receive the item or the item is not as described or as you expected.
You can send or receive money with Zelle®. To get started, log into Citizens online banking or mobile app and click "Send Money with Zelle®". Review and accept the Terms & Conditions and required disclosures, follow the enrollment steps and you're on your way.
To send money using Zelle®, simply select your recipient from your Zelle® contact list (or add your recipient's email address or U.S. mobile number), add the amount you'd like to send, review, and then hit "confirm." In most cases, the money is available in minutes1.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
Keeping your money and information safe is a top priority for Citizens, and when you use Zelle® within the Citizens' mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
Citizens does not charge any fees to use Zelle®.
* Citizens account and/or any wireless/data fees may apply.
In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.
Yes! They will receive a notification via email or text message.
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, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call us at 1-800-656-6561 so we can help you.
Money sent with Zelle® is typically available to an enrolled person within minutes. 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.
If your payment has been pending and has not sent, 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 call the Citizens customer support team toll-free at 1-800-656-6561 for assistance.
Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Don't use Zelle® to send money to people you don't know. Data charges may apply.
Wireless carrier fees may apply. Banking fees may apply.
Citizens Mobile Banking App. You may download the Citizens Mobile App allowing access to many of the same services and features available with your online banking service. You can view balances and activity for eligible credit and deposit accounts included in your online service. You may perform previously set up transfers between your Citizens accounts or your existing external accounts. e-statements, transfer set-up and self-initiated services like stop payments are not available using your Citizens Mobile Banking App.
Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply.
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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.