The fast, safe and easy way to send money

Get Started

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 with Zelle.

Send Money

Pay the babysitter or your share of the monthly bills. 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, then hit "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 hit "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. Tap "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


Get answers to your questions about Zelle

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 US mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. Still having trouble? Please give the First Citizens Bank customer support team a call at 877-206-3818 or get in touch through our support page.

Yes. You can change or cancel your next scheduled payment any time before the send date. If you wish to edit the next scheduled payment, you can update the send date, amount, subject line and personal message without affecting future payments. You can also edit or cancel the entire recurring payment plan at any time.

Your email address or US mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or US mobile phone number to First Citizens Bank so you can use it for Zelle.

Once customer support moves your email address or US mobile phone number, it will be connected to your First Citizens account so you can start sending and receiving money with Zelle through First Citizens Digital Banking. Please call First Citizens Bank customer support toll-free at 877-206-3818 for help.

First Citizens Bank does not charge any fees to use Zelle.

It's easy. Zelle is already available within First Citizens Digital Banking. Sign in to Digital Banking and follow a few simple steps to enroll with Zelle today.

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

Please see our Digital Banking Fee Schedule and Digital Banking Agreement.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. 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.

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

Must have a bank account in the US to use Zelle.

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

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