Zelle® for your business

When you use Zelle® with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle® to small businesses. You can also send money to consumers who have access to Zelle® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are only enrolled in the Zelle® app.

If the small business or consumer you send money to has already enrolled with Zelle® through their bank’s mobile 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.

You can also request payments directly through your mobile banking app by clicking “Send Money with Zelle®,” selecting “Request,” entering your customer’s email address or U.S. mobile number, confirming the recipient is correct (make sure you’ve entered the correct email address or U.S. mobile number of the person or business you want to request payment from) and tapping“request”.

If your customer is using Zelle® through their bank’s mobile 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®).
• Add pre-approved Zelle® content to your business website: zellepay.com/smallbusiness-toolkit.

Please note, you’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle^® app. If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money.

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 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 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 money to users enrolled in the Zelle® app.

If you sent money to the wrong person, please immediately contact Customer Service so we can help you.

Citizens does not charge any fees to send money with Zelle®. However, if your personal and/or business account includes transaction limits, you may incur a fee for exceeding those limits.

Citizens account and/or any wireless/data fees may apply.

There is no limit on the number of Zelle® transactions that can be completed each month, however there is a $5,000 daily limit and a $30,000 monthly limit.