Zelle is a convenient way to send money using your mobile banking app or online banking account.
Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1, and all you need is the recipient's email address or U.S. mobile phone number.
Mobilize your money with Zelle.
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Frequently Asked Questions
WHAT IS ZELLE?
To help limit fraud, to qualify for instant payments, new Zelle users will first need to:
Once these requirements are met, instant transfers will be available going forward.
WHO CAN I SEND MONEY TO WITH ZELLE?
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.
HOW DO I USE ZELLE?
SOMEONE SENT ME MONEY WITH ZELLE, HOW DO I RECEIVE IT?
If you have not yet enrolled with Zelle, follow these steps:
WHAT TYPES OF PAYMENTS CAN I MAKE WITH ZELLE?
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.
Neither FNCB Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
HOW DO I GET STARTED?
WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE FINANCIAL INSTITUTION DOESN'T OFFER ZELLE?
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
HOW DOES ZELLE WORK?
When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies FNCB Bank of the incoming payment. FNCB Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
CAN I USE ZELLE INTERNATIONALLY?
CAN I CANCEL A 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 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 customer services at 1-877-879-3622 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by FNCB Bank but are a separate service from Zelle and can take 1 – 3 business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH ZELLE?
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, typically within minutes1.
If your payment is pending, 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 contact customer services at 1-877-879-3622.
WILL THE PERSON I SEND MONEY TO BE NOTIFIED?
IS MY INFORMATION SECURE?
I'M UNSURE ABOUT USING ZELLE TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither FNCB Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your FNCB Bank account so you can start sending and receiving money with Zelle through the FNCB Bank mobile banking app and online banking. Please call FNCB Bank's customer support toll-free at 1-877-879-3622 for help.
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