Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union's mobile app or online banking. All you need is your recipient's email address or U.S. mobile number, and money will be available to use in minutes if they're already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 banks and credit union apps, so you can send money to friends and family even if they do not bank at Citizens.

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into the Citizens mobile app or online banking. To locate Zelle® in the Citizens mobile app, select 'Transfer and Pay', then 'Send money with Zelle®.' To send money, select a contact or enter an email address or U.S. mobile number, add the amount, review, and hit 'Send.' To request money, choose 'Request,' select the individual, enter the amount, and hit 'Request.' To receive money, share your enrolled email address or U.S. mobile number. If you are not enrolled, follow the instructions in the payment notification to enroll and receive your payment.

Is my information secure?

Keeping your money and information secure is a top priority for Citizens. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Citizens account safe.

Who can I send money to 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 neighbor. Since money is sent directly from your Citizens account to another person's bank account within minutes, Zelle® should only be used to send money to people you trust.

Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the Citizens mobile app or online banking using just their email address or U.S. mobile number.

Does Citizens or Zelle® offer purchase protection?

Zelle® does not offer purchase protection for payments made with Zelle®. To learn about Citizens' purchase protection, please view our terms and conditions presented during enrollment.

I believe I've been a victim of a scam. Who should I contact?

Please contact our customer support team at 1 (800) 656-6561. Qualifying imposter scams may be eligible for reimbursement.

Can I use Zelle® internationally?

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

Can I reverse or cancel a payment?

No, Zelle® payments cannot be reversed. You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. If the recipient is enrolled, the money is sent directly to their bank account and cannot be canceled.

Are there any fees to send money using Zelle®?

No, Citizens does not charge any fees to use Zelle® in the Citizens mobile app or online banking. Your mobile carrier's messaging and data rates may apply.

Are there any limits for sending and receiving money with Zelle®?

The amount of money you can send is set by each participating financial institution. To determine Citizens send limits, call our customer service at 1 (800) 656-6561. There are no limits to the amount of money you can receive with Zelle®.

What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle®. If their bank or credit union is not listed, we recommend you use another payment method at this time.

How do I use a Zelle® QR code?

To locate your Zelle® QR code, log into the Citizens mobile app, click 'Send Money with Zelle®', then go to 'Zelle® settings' and click 'Zelle® QR code'. To send money, click 'Send', then click the QR code icon and scan the recipient's Zelle® QR code.

Citizens and Zelle® bring you a fast way to send money

Zelle® is available within Citizens mobile app and Online Banking. Download our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

Send money with Zelle®

A fast, easy way to send and receive money

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
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?

Enroll in Online Banking

Login to Online Banking

Easy access via Online and Mobile Banking

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.

Ready to get started with Zelle®?

Enroll in Online Banking

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.