Zelle Payments

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

FAQ

Get answers to your questions about Zelle

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you shouldn't use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither First Citizens Bank nor Zelle offers a protection program for any authorized payments made with Zelle—for example, if you don't receive the item you paid for or the item isn't as described or as you expected.

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 money to people you trust, regardless of where they bank.

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

Since money is 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 hit "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 hit "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.

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 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.

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.

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.