Question 1

What is Zelle&reg;?

Accepted Answer

Zelle&reg; is a fast, safe and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U .S.  If your customers use Zelle&reg; within their mobile banking app, they can send payments directly to your Citizens business checking or saving s account with just your email address or U .S. mobile number . With Zelle&reg;, payments typically arrive within minutes.

Question 2

How do I use Zelle&reg; with a small business account?

Accepted Answer

You can send, request, or receive money with Zelle&reg;. To get started, log into the Citizens mobile app and select &quot;Send Money &quot;. Enter your email address or U .S. mobile number, receive a one - time verification code, enter it, accept terms and conditions, and you&apos;re ready to start sending and receiving with Zelle&reg;.

Question 3

Who can I send money to with Zelle&reg; when I have a small business bank account?

Accepted Answer

When you use Zelle&reg; with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle&reg; to small businesses. You can also send money to consumers who have access to Zelle&reg; through their mobile banking app . At this time, we don&apos;t support sending to ( or receiving from ) consumers that are only enrolled in the Zelle&reg; app .

If the small business or consumer you send money to has already enrolled with Zelle&reg; through their bank&apos;s mobile app, the money is sent directly to their bank account and cannot be canceled. It&apos;s important to only send money to people you trust, and always ensure you&apos;ve used the correct email address or U .S. mobile number when sending money.

Question 4

If I already use Zelle&reg; through my personal bank account . How do I enroll to use Zelle&reg; with my small business bank account?

Accepted Answer

To get started, log into the Citizens mobile app . To enroll a small business bank account with Zelle&reg;, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle&reg;. For example, name @ email . com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business checking account .

Question 5

I have a small business bank account . Who can I receive payments from with Zelle&reg;?

Accepted Answer

You can receive payments from consumers using Zelle&reg; through their bank&apos;s mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle&reg; to small businesses. At this time, you&apos;re not able to receive payments from consumers that are only enrolled in the Zelle&reg; app.

Question 6

How long does it take to receive payments with Zelle&reg;?

Accepted Answer

Once you&apos;re enrolled with Zelle&reg;, the money you receive is typically available within minutes.

Question 7

How do I receive payments with Zelle&reg;?

Accepted Answer

First,you should enroll your email address or U .S. mobile number with Zelle&reg; through your mobile banking app and associate it with your small business banking account . Second, share your enrolled email address or U .S. mobile number with your customers and ask them to send you payment with Zelle&reg; right from their banking app . You don&apos;t need to share any sensitive account details they can send you money by using your enrolled email address or U .S. mobile number to identify you. After the consumer sends you payment with Zelle&reg;, you will receive your money directly into your enrolled bank account.

Question 8

How do I request payments with Zelle&reg;?

Accepted Answer

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

If your customer is using Zelle&reg; through their bank&apos;s mobile app, they&apos;ll be able to pay you with Zelle&reg;. You&apos;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&reg; app, they will not be able to send you money with Zelle&reg;, and you should arrange for a different payment method.

Question 9

How do I tell my customers that they can pay me with Zelle&reg;?

Accepted Answer

There are a few ways you can encourage your customers to pay you with Zelle&reg;.

Tell customers verbally that you accept payments with Zelle&reg;, and that they can easily send you money right from their banking app .
Include it on an invoice . We recommend adding &quot;I accept payments with Zelle&reg; &quot;or &quot;Pay me with Zelle&reg; &quot;.
Use Zelle&reg; to request money * from your customers ( which will send them a notification telling them you&apos;ve requested payment with Zelle&reg; ) .
Add pre - approved Zelle&reg; content to your business website : https://www.zellepay.com/smallbusiness-toolkit .

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

Question 10

How do I use Zelle&reg; to request a payment from my customer?

Accepted Answer

To request money with Zelle&reg;, select &quot;Send Money with Zelle&reg;&quot;in your mobile banking app, choose &quot;Request,&quot;, select the individual from whom you&apos;d like to request money, enter the amount you&apos;d like to request, include an optional note, review and hit &quot;Request&quot;.

Question 11

Does Zelle&reg; or Citizens offer purchase protection?

Accepted Answer

Neither Citizens nor Zelle&reg; offers a protection program for any authorized payments made with Zelle&reg; – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Question 12

I want to use Zelle&reg; to send and receive money with friends from my personal bank account, as well as to receive payments for my small business from my business account . Are there any differences in the experience ?

Accepted Answer

Whether you use Zelle&reg; with a business account or a consumer account, Zelle&reg; uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle&reg; through their mobile banking app don&apos;t need to do anything different to send money to a small business – they use the existing Zelle&reg; experience they already know and trust within their bank&apos;s mobile app . However, the experience is slightly different for small businesses,  as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle&reg; app.

Question 13

If I already use Zelle&reg; for my small business, do I need to do something different to continue using Zelle&reg;?

Accepted Answer

Read the updated terms and conditions that were provided by Citizens.

Question 14

If I use Zelle&reg; for my small business, will Zelle&reg; integrate with software?

Accepted Answer

No, Zelle&reg; does not integrate directly with accounting software at this time . However, since Zelle&reg; is connected to your bank account, you are able to see all Zelle&reg; transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle&reg; transactions.

Question 15

How do I know if my small business is eligible to use Zelle&reg;?

Accepted Answer

All small business checking and saving s accounts are eligible to use Zelle&reg;.

Question 16

Who should I call if I have questions or need help ?

Accepted Answer

Please contact https://www.citizensbank.com/customer-service/contact-us.aspx for help .

Question 17

Can I cancel a payment if I sent money using Zelle&reg;?

Accepted Answer

You can only cancel a payment if the small business or consumer you sent money to hasn&apos;t yet enrolled with Zelle&reg;. To check whether the payment is still pending because the recipient hasn&apos;t yet enrolled, you can go to your activity page,choose the payment you want to cancel, and then select &quot;Cancel This Payment.&quot;

If you send money to a small business or consumer that has already enrolled with Zelle&reg; through their bank or credit union&apos;s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it&apos;s important to only send money to people you trust, and always ensure you&apos;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&reg; app, the payment won&apos;t go through and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle&reg; does not currently support sending money to users enrolled in the Zelle&reg; app .

If you sent money to the wrong person, please immediately contact https://www.citizensbank.com/customer-service/contact-us.aspx so we can help you.

Question 18

Are there any fees to use Zelle&reg; with a small business account at Citizens?

Accepted Answer

Citizens does not charge any fees to send money with Zelle&reg;. 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 .

Question 19

Is there a limit on the number of transactions I can send with Zelle&reg; each month?

Accepted Answer

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

Zelle® for your business

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