Since money is sent directly from your bank account to another person's bank account within minutes**, 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.

* Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
** In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

• To send money, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.*
• To request money, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request."**
• To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

* Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
** In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

You have to enroll to access your money. To do this:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Associated Healthcare Credit Union.
3. 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 using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

Since money is sent directly from your bank account to another person's bank account, Zelle should only be used to send money to friends, family and others you trust.

Neither Associated Healthcare Credit Union 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.

* Must have a bank account in the U.S. to use 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.

When you enroll with Zelle through your online banking account or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Associated Healthcare Credit Union.

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 Associated Healthcare Credit Union of the incoming payment. Associated Healthcare Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.

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

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 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 Associated Healthcare Credit Union member services at (877) 241-8233 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 Associated Healthcare Credit Union. 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.

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 be available in your recipient's account.

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 members services at (877) 241-8233.

* Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

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 for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Associated Healthcare Credit Union 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our member service support team at (877) 241-8233 and ask them to move your email address or U.S. mobile phone number to Associated Healthcare Credit Union so you can use it for Zelle.

Once Member Service support moves your email address or U.S. mobile phone number, it will be connected to your Associated Healthcare Credit Union account so you can start sending and receiving money with Zelle through the Associated Healthcare Credit Union mobile banking app and online banking. Please call Associated Healthcare Credit Union’s member service support toll-free at (877) 241-8233 for help.

Send Money - Within Minutes:
           Daily Limit:   $500
           Rolling 30-day Period:   $1,500

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

Send Money - Next Day or Three Day to social token:
           Daily Limit:   $1,000
           Rolling 30-day Period:   $2,000