Taylor Scott
Zelle® is a service that allows users to send and receive money from other eligible users, including small businesses with a US bank account. Wells Fargo customers can use Zelle® through Wells Fargo Online® or the Wells Fargo Mobile® app. To use Zelle®, users must enrol their US-based checking or savings account, and enrol an email address or US mobile number. Once enrolled, users can send and receive money with other Zelle® users, with transactions typically occurring in minutes.
| Characteristics | Values |
|---|---|
| Zelle® app availability | There is a separate Zelle® app that is not operated by Wells Fargo or any other financial institution. It is operated by Early Warning Services LLC, a third-party entity. |
| Zelle® app usage | The Zelle® app is only for consumers whose financial institution does not offer Zelle® to its customers. |
| Wells Fargo Zelle® usage | Wells Fargo customers can use Zelle® through Wells Fargo Online® or the Wells Fargo Mobile® app. |
| Zelle® enrollment | Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. |
| Zelle® transaction speed | Transactions between enrolled users typically occur in minutes. |
| Zelle® transaction fees | Wells Fargo does not charge a fee for using Zelle®. However, your mobile carrier’s message and data rates may apply, and account fees might apply to the Wells Fargo account used with Zelle®. |
| Zelle® transaction limits | Wells Fargo restricts the amount of money you can send to recipients for security reasons. There are daily and 30-day (rolling) limits, which vary based on factors such as the funding account, recipient, and transaction history. |
| Zelle® transaction cancellation | Payments can be cancelled if the recipient hasn't yet enrolled with Zelle®. If the recipient is enrolled, the payment is sent directly to their bank account and cannot be cancelled. |
| Zelle® transaction safety | Zelle® should only be used for sending money to friends, family, or trusted individuals and businesses. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle®. |
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What You'll Learn
Zelle® is available in Wells Fargo's mobile app
Zelle® is a fast, safe, and easy way to send money to friends, family, coworkers, and others you know and trust across the country. It is also a great way to send money to eligible small businesses. Zelle® is available in Wells Fargo's mobile app.
To get started with Zelle® on Wells Fargo, you must first enrol your eligible U.S.-based checking or savings account. You can do this through Wells Fargo Online® or the Wells Fargo Mobile® app. To enrol, sign on and select "Transfer & Pay" on your desktop or "Pay & Transfer" on the mobile app. From there, select "Send Money with Zelle®" and view the welcome note. You will then need to read and accept the Zelle® Transfer Service Addendum. Next, enrol an email address or U.S. mobile number and select the account where you would like the money to be deposited. You may receive a one-time verification code for each email address or mobile number selected, which you will need to enter in the verification code field.
Once you are enrolled, you can link your eligible checking or savings account to Zelle® using your email address or U.S. mobile number. You can then start adding your payment contacts using Wells Fargo Online or the Wells Fargo Mobile app. To do this, sign on and select "Transfer and Pay" on your desktop or "Pay & Transfer" on the mobile app. From the Zelle® screen, select the QR code to scan a recipient QR code and continue to send money, or select "Recipients" or "Add Recipient" and select the plus (+) icon.
To send money, sign on to the Wells Fargo Mobile app, select "Pay & Transfer", then "Zelle", "Send", and select the recipient. Enter the amount, select "Review", and then "Send". To request money, follow the same initial steps, but select "Request" instead of "Send". Enter the amount you are requesting, double-check it, and then select "Request".
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Wells Fargo does not charge a fee for using Zelle®
To use Zelle® with Wells Fargo, you must enrol your eligible US-based checking or savings account. You can do this through Wells Fargo Online® or the Wells Fargo Mobile® app. Once enrolled, you can link your eligible account to Zelle® using your email address or US mobile phone number.
It is important to note that neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle®. For example, if you do not receive the item you paid for or the item is not as described, you will not be refunded. Zelle® should only be used for sending money to friends, family, or others you trust.
There is also a separate Zelle® app that is not operated or maintained by Wells Fargo or any other financial institution. Instead, it is operated by Early Warning Services LLC, a third-party entity. This app is only available for use by consumers whose US financial institution does not offer Zelle® to its customers.
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Both parties must have an eligible checking or savings account
Wells Fargo offers its customers the ability to use Zelle® to send and receive money. Zelle® is a service that allows users to send money to, and receive money from, eligible people and eligible small businesses who have a U.S. bank account.
To use Zelle® with Wells Fargo, you must enrol through Wells Fargo Online® or the Wells Fargo Mobile® app. You will need to enrol an eligible U.S.-based checking or savings account, and an email address or U.S. mobile number.
To send money to an eligible small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking service. Both parties must have an eligible checking or savings account. This is a requirement for both personal and business accounts.
If your recipient has not yet enrolled with Zelle®, you can still send them money, and they will have 14 days to enrol with the same email address or U.S. mobile number that you used to send the payment. Once they have enrolled and linked their eligible account, the money will be sent directly to their bank account.
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Zelle® is a fast, safe and easy way to send money
Zelle® is a fast, safe, and easy way to send and receive money. It is available through the Wells Fargo Mobile® app or Wells Fargo Online®. With Zelle®, you can send money to friends, family, coworkers, and others you know and trust across the country.
To use Zelle® through Wells Fargo, you must enrol your eligible U.S.-based checking or savings account. You can do this through Wells Fargo Online® or the Wells Fargo Mobile® app. You will need to enrol an email address or U.S. mobile number and select the account where you want to deposit money. You may receive a one-time verification code for added security.
Once enrolled, you can send money to any eligible person or small business with a U.S. bank account. All you need is the recipient's enrolled email address or U.S. mobile number. Money is typically sent from one account to another within minutes. It's important to note that you should only use Zelle® to send money to people you trust, as transactions cannot be cancelled once sent.
Zelle® is a convenient way to send money without any fees. However, your mobile carrier's message and data rates may apply, and account fees may be charged for the Wells Fargo account used with Zelle®.
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There is a separate Zelle® app for eligible users
Zelle® is a fast and easy service that allows you to send money to and receive money from eligible people and small businesses with a US bank account. To use Zelle® through Wells Fargo, you need to enrol through Wells Fargo Online® or the Wells Fargo Mobile® app. You can then link your eligible US-based checking or savings account to Zelle® using your email address or US mobile number.
However, there is also a separate Zelle® app that is not operated or maintained by Wells Fargo or any other financial institution. Instead, it is operated by Early Warning Services LLC, a third-party entity. The Zelle® app is only available for use by consumers whose US financial institution does not offer Zelle® to its customers.
If your recipient has enrolled with Zelle® through their financial institution's online or mobile banking, you can use Zelle® through Wells Fargo Online® or the Wells Fargo Mobile® app to send them money from your personal account. If your recipient has enrolled in the separate Zelle® app, you will need to arrange an alternative payment method.
You can use Zelle® to see which of your contacts are already enrolled in Zelle® and to scan or create Zelle® QR codes to pay and get paid. Zelle® is available in more than 2,100 banking apps and counting.
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Frequently asked questions
You can send money by enrolling your eligible U.S.-based checking or savings account on Wells Fargo Online® or the Wells Fargo Mobile® app. Once enrolled, you can link your eligible account to Zelle® using your email address or U.S. mobile number.
If you are expecting to receive money, make sure you are enrolled with Zelle® through Wells Fargo Online® or the Wells Fargo Mobile® app. You will receive a payment notification once the payment has been sent.
Yes, you can use Zelle® to send money to eligible small businesses. To do so, both parties must be enrolled with Zelle® through their financial institution's online or mobile banking service.
You can only cancel a payment if the recipient is not enrolled with Zelle®. To cancel the payment, go to your Zelle® Activity, choose the payment, and select "Cancel Payment". If you do not see this option, contact Wells Fargo Online Customer Service at 1-800-956-4442.
