Zelle® for Your Business

Zelle® is a fast, safe and easy way for small businesses to send, receive and request money typically within minutes with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution's banking app, they can send payments directly to your First Citizens bank account with just your email address or US mobile number.

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

To send money with Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or US mobile number), 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.

To receive money using Zelle® with a small business account, share your enrolled email address or US mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

To request money using Zelle® with a small business account, choose Request, enter the individual's email address or US mobile number, confirm the recipient is correct and tap Request. You'll receive a payment notification once your customer has sent you money in response to your request.

Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to First Citizens Digital Banking and select Send Money with Zelle®. If you don't see Zelle®, please call our customer support team at 877-206-3818.

Neither First Citizens Bank nor Zelle® offers purchase protection for payments made with Zelle®—for example, if you don't receive the item you paid for or if the item is not as described or as you expected. Only send money to people and small businesses you trust, and always ensure you've used the correct email address or US mobile number when sending money.

No. Zelle® payments cannot be reversed.

You can only cancel a payment if the small business or consumer 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 select Cancel This Payment. If you don't see this option available, contact our customer support team at 877-206-3818 for assistrance with canceling the pending payment.

If you send money to a business or consumer that 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 know and 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, immediately call our customer support team at 877-206-3818 to determine what options are available.

Please contact our customer support team at 877-206-3818. Qualifying imposter scams may be eligible for reimbursement.

Keeping your money and information secure is a top priority for First Citizens. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your First Citizens account safe.

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

Zelle® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or US mobile number.

To locate your Zelle® QR code, log in to First Citizens Digital Banking and select Send Money with Zelle®. Select Send, then select the QR code icon displayed at the top of the Select Recipient screen. Navigate to My Code. From here, you can view and use the print or share icons to text or email your Zelle® QR code.

To send money, log in to First Citizens Digital Banking and select Send Money with Zelle®. Select Send, then select the QR code icon displayed at the top of the Select Recipient screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle® QR code, enter the amount, select Send and the money is on the way. When sending money to someone new, it's always important to confirm the receipient is correct by reviewing the displayed name before sending money.

Whether you use Zelle® with a business or consumer account, Zelle® uses the same network to initiate payments to businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don't need to do anything different to send money to a business. They can use the existing Zelle® experience they already know and trust within their bank's mobile app.

You can send, request or receive money with Zelle®. To get started, log in to Digital Banking and select Send Money with Zelle®.

To enroll a business bank account with Zelle®, you must use a different US mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, crystal@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your business bank account.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine First Citizens send limits, call our customer service at 877-206-3818.

At First Citizens, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

There are a few ways you can encourage your customers to pay you with Zelle®.

• Tell customers verbally that you accept payments with Zelle® and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding I accept payments with Zelle® or Pay me with Zelle®.
• Use Zelle® to request money from your customers, which will send them a notification telling them you've requested payment with Zelle®.

Note that you'll only be able to receive payments from consumers using Zelle® through their financial institutions' mobile banking app.