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®.

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®

Zelle® is a fast, safe and easy way to send money directly between almost any bank account in the US, typically within minutes. With just an email address or US mobile phone number, you can send Zelle® payments to people you trust, regardless of where they bank.

You can send money to friends, family and others you trust.

Because Zelle® payments are 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 US mobile number.

You can send, request, or receive money with Zelle®. To get started, log into First Citizens Digital Banking and select Send Money with Zelle®. Enter your email address or US mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or US mobile phone number), add the amount you'd like to send and an optional note, review, then select Send. In most cases, the money is available to your recipient in minutes.

To request money using Zelle®, 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 select Request.

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®.

For your security, we limit the amount of money that can be sent from your accounts to others but not the amount you can receive. There are daily and rolling 30-day send limits, typically $1,000 per day and $3,500 per rolling 30-day period. Your limits may be different and are subject to change. Access yours by logging into First Citizens Digital Banking and selecting Send Money with Zelle®.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:

  1. Select the link provided in the payment notification you received through email or text message.
  2. Select First Citizens Bank.
  3. Follow the instructions provided on the page to enroll and receive your Zelle® payment. Pay attention to the email address or US mobile number where you received the payment notification. You should enroll with Zelle® using that email address or US mobile number to ensure you receive your money.

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

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 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.

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.