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.
Frequently Asked Questions
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.1
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 using 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." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. 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, 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 U.S. 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 Citizens account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
A. Click on the link provided in the payment notification you received via email or text message.
B. Select Citizens.
C. 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 to ensure you receive your money.
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.
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 Citizens 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).
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.
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.
Please contact our customer support team at 1 (800) 656-6561. Qualifying imposter scams may be eligible for reimbursement.
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
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®. 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 our customer support team at 1 (800) 656-6561 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union's mobile app or online banking 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 our customer support team at 1 (800) 656-6561 to determine what options are available.
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.
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Citizens send limits, call our customer service at 1 (800) 656-6561.
At Citizens, 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.
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® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the Citizens mobile app, click "Send Money with Zelle®". Next, go to your "Zelle® settings" and click "Zelle® QR code" and your QR code will be displayed under "My Code". From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log into the Citizens mobile app, click "Send money with Zelle®", click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle® QR code, enter the amount, 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.
© Citizens Financial Group, Inc. All rights reserved. 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.