Zelle® Payments

The fast, safe and easy way to send money

Get started

To start sending and receiving Zelle® payments, log in to Digital Banking. Select Send Money with Zelle® and enter your email address or US mobile phone number. You'll receive a one-time verification code for security purposes. Simply enter it, accept terms and conditions, and you're ready to start sending and receiving money with Zelle®.

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Send money

Pay the babysitter or your share of the monthly bills with Zelle® payments. Simply add your trusted recipient's email address or US mobile phone number to your contacts, add the amount you'd like to send and an optional note, review your payment, then select Send. In most cases, the money is available to your recipient in minutes.D

Request money

Settle up with roommates, friends or family, regardless of where they bank.D Select Request and choose the individual(s) from whom you'd like to request money—or add trusted recipients' email addresses or US mobile phone numbers. Enter the amount, include an optional note, review and choose Request.D

Receive money

To receive money, just share your enrolled email address or US mobile phone number with a friend and ask them to send you money with Zelle®.

Split bills

Easily divide the cost of the check for breakfast, lunch or dinner. Choose Split and select those with whom you're splitting the bill. No need to divide things up—just enter the bill total and Zelle® will calculate everyone's share. You can easily change the amount if it's not an equal split.D

FAQ
Get answers to your questions about Zelle®

You can use Zelle® with multiple banks, but you'll need to use a different email address or U.S. mobile number for each Zelle® enrollment.

You can also transfer your Zelle® enrollment from a different bank to First Citizens bank:

  • Open Zelle® in First Citizens Digital Banking
  • Add your email address or U.S. mobile number and Submit
  • Follow the prompts to transfer your Zelle® from another bank
  • You will receive an email confirming the transfer

 For additional help, you can call the First Citizens support team at 877-206-3818.

Make sure you are using a U.S. mobile number or email address that belongs to you.  You can't enroll in Zelle® using landlines, international numbers, toll-free numbers or VoiP numbers, including Google Voice.

Also confirm that no one else is already registered with Zelle® using your U.S. mobile number or email address.  If they are, you need to:

  • Go to your First Citizens Digital Banking 
  • Select Profile and Preferences > Profile & Contact Info
  • Update your U.S. mobile number or email address to a unique one 
  • Enroll again in Zelle®

 For additional help, you can call the First Citizens support team at 877-206-3818.

You can send up to $1,000 within a 24-hour period and up to $3,500 within a 30-day period.

How the Limits Work:

  • A 24-hour period means your sending limit resets based on the last 24 hours, not at a fixed time like midnight. For example, if you send $1,000 at 3:00 PM today, you won't be able to send more until 3:01 PM the next day.
  • A 30-day period works the same way but over a longer timeframe. Instead of resetting on the first of each month, your limit is based on the total amount sent over the past 30 days. If you've reached the $3,500 limit, you'll need to wait until earlier transactions fall outside the rolling 30-day window before sending more.

Limits may vary and are subject to change.

We do not limit how much money you can receive with Zelle®. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution.

Money sent with Zelle® is typically received in minutes when both parties are enrolled.* Select transactions may take up to 3 business days.

For details:

  • Open Zelle® in First Citizens Digital Banking
  • Go to Activity
  • Select the payment to find out more

If the payment is Pending, confirm that the recipient has enrolled with Zelle® and that you entered the correct email or U.S. mobile number.

For additional help, you can call the First Citizens support team at 877-206-3818.

* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur within minutes.

Both the sender's and recipient's bank accounts and phone number must be based in the U.S. to use Zelle®.

If you're a U.S. customer traveling internationally, you can send Zelle® if: 

  • You're already enrolled in Zelle® with a U.S. mobile number or email address that belongs to you

AND

  • You're able to get a security code on your U.S. mobile number while located internationally

If you're unable to see Zelle® in Digital Banking, you'll need to update your digital profile and login preferences to include a U.S. mobile number. 

  • Go to First Citizens Digital Banking 
  • Select Profile and Preferences > Profile & Contact Info and update your mobile number to a U.S. mobile number 
  • Select Profile and Preferences > Log in Preferences > Secure Delivery and update your mobile number to a U.S. mobile number 
  • Select Send Money with Zelle® again to use it

For additional help, you can call the First Citizens support team at 877-206-3818.

Please see our Digital Banking Fee Schedule and Digital Banking Agreement (PDF).

Please see the Zelle® Terms of Service.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

To send payment requests or split payment requests to a US mobile number, the mobile number must already be enrolled with Zelle®.

A US checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941