Coming December 2020
COMING DECEMBER 2020
We have partnered with Zelle to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust.2
Zelle is available right from Online and Mobile Banking so you don't need to download anything new to start sending and receiving money!
Mobilize your money
directly from your account
to theirs typically in minutes1
from Online Banking or
our mobile banking app2.
money with Zelle
from our online or mobile banking app4.
Enroll with Zelle Now.
Download the CRCU Mobile App
Log in to your CRCU account and click the Move Money link in the navigation and then select External Transfers.
Frequently Asked Questions
You can send money to almost anyone with a bank account in the U.S. by using their email address or U.S. mobile phone number.
Since money is sent directly from your account to another person’s account, it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.
Your recipient can use Zelle through their financial institution or by downloading the Zelle app for Android and iOS, if their financial institution does not yet offer Zelle.
(See a list of participating financial institutions.)
You can send, request, or receive money with Zelle.
- To get started, log into CRCU's online banking or mobile app, navigate to Move Money (in online banking) or More (in mobile banking ) and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
- To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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 minutes1.
- 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"3.
- To receive money, just share your enrolled email address or U.S. 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 be sent directly into your bank account, and will be available typically within minutes1.
If you have not yet enrolled with Zelle, follow these steps:
- Open the mobile app.
- Select More in bottom navigation & then select Send Money with ZELLE®.
- Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.
WHAT TYPES OF PAYMENTS CAN I MAKE WITH ZELLE?
Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.
Neither CRCU nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
HOW DO I GET STARTED?
It's easy — Zelle is already available within CRCU's mobile banking app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.
WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE FINANCIAL INSTITUTION DOESN'T OFFER ZELLE?
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
HOW DOES ZELLE WORK?
When you enroll with Zelle through Online Banking or our Mobile App, the email address or U.S. mobile phone number you use to enroll is shared with Zelle (no sensitive account details are shared—those stay with Community Resource Credit Union).
When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or U.S. mobile phone number in its “directory” and notifies CRCU of the incoming payment. CRCU then directs the payment into your account, all while keeping your sensitive account details private.
CAN I USE ZELLE INTERNATIONALLY?
In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.
CAN I CANCEL A PAYMENT?
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 U.S. mobile number when sending money.
HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH ZELLE?
Money sent with Zelle is typically available to an enrolled recipient within minutes1.
If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient's account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.
If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact member services at 281.422.3611.
WILL THE PERSON I SEND MONEY TO BE NOTIFIED?
Yes! They will receive a notification via email or text message.
IS MY INFORMATION SECURE?
When you use Zelle within Online Banking or the CRCU Mobile App, your information is protected with the same technology CRCU uses to keep your accounts safe.
Zelle uses only your email address or U.S. mobile phone number to send and receive payments—so your account information stays private. The credit union does not share your account details with Zelle.
I'M UNSURE ABOUT USING ZELLE TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?
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 should not 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 CRCU nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Using our Mobile Banking App, you can transfer your email address or U.S. mobile phone number to CRCU. Please be aware, transferring financial institutions will automatically cancel any pending Zelle payments and remove all payments within the Activity Screen at the existing financial institution.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
2 Must have a bank account in the U.S. to use Zelle.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.
4 Mobile carrier fees may apply.
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