Zelle® Payments

The fast, safe and easy way to send money

First Citizens Bank | Zelle® combined logo

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. 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

It's easy—just log in to Digital Banking and select Send Money with Zelle®

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 enrolled with Zelle® using your U.S. mobile number or email address, including at another bank. You may receive an error if the contact information is already enrolled or being used by another person.

If your U.S. mobile number or email address is already enrolled with Zelle®, update your contact information in Digital Banking and enroll again using a unique email address or U.S. mobile number.

  • Go to 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®

Make sure the information you enter—such as your name, email address or U.S. mobile number—matches what is on your First Citizens account. For additional help, you can call the First Citizens support team at 877-206-3818.

For your security, First Citizens Bank establishes limits on the amount of money you can send with Zelle®. Your limits may vary based on factors such as your account relationship, recipient and transaction history.

You can view your available sending limit within Zelle® in First Citizens Digital Banking when setting up a payment.

Your rolling daily limit is the maximum you can send over a period of time going back 24 hours. Your rolling 30-day limit is the maximum you can send over a period of time going back 30 days.

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 your limit, you'll need to wait until earlier transactions fall outside the rolling 30-day window before sending more.

First Citizens Bank does 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.

There are several common reasons why a payment may not go through within minutes:

  • The recipient is not enrolled or the email address/mobile number entered doesn't match their Zelle® profile. The recipient must be enrolled using the same email address or U.S. mobile number you used, or the payment may be delayed.
  • The payment may be delayed or declined for security reasons. For your protection, some transactions may be reviewed based on factors like sending to a new recipient or unusual activity.
  • You may have reached your sending limit. Limits are based on rolling time periods. You can view your available limit in Zelle® within Digital Banking when setting up a payment.

To check the status of your payment:

  • Open Zelle® in First Citizens Digital Banking
  • Go to Activity
  • Select the payment to view its status (Pending, Completed or Declined)

If the payment is pending:

  • Confirm the recipient has enrolled with Zelle®
  • Confirm you entered the correct email address or U.S. mobile number

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

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

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® 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®.

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.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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NMLSR ID 503941