Zelle^® FAQs

You can send, request, or receive money with Zelle^®. To get started, log into FNBO's mobile app. In the main menu, select "Send money 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 U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request". If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile 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 FNBO account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, please click on the link provided in the payment notification you received via email or text message.

• Click on the link provided in the payment notification you received via email or text message.
• Select FNBO.
• Follow the instructions provided on the page to enroll and receive your payment. 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 number to ensure you receive your money.

Your email address or U.S. mobile number may already be enrolled with Zelle^® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile number to FNBO so you can use it for Zelle^®.

Once customer support moves your email address or U.S. mobile number, it will be connected to your FNBO account so you can start sending and receiving money with Zelle^® through the FNBO mobile app. Please call FNBO customer support toll-free at 1-866-223-1768 for help.

Keeping your money and information safe is a top priority for FNBO. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your FNBO account safe.

The minimum payment allowed is $1.00. There is a limit of $2,000 per transaction and a monthly (30-day cycle) limit of $3,500.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your FNBO account to another person’s bank account within minutes,¹ Zelle^® should only be used to send money to friends, family and others you trust.

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^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither FNBO 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.

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from your FNBO mobile app using just their email address or U.S. mobile number.

Neither FNBO nor Zelle^® offers a protection program for any authorized payments made with Zelle^®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

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

All transactions are treated like cash. If your recipient has already enrolled with Zelle^®, the payment is sent directly to their bank account and cannot be canceled. Therefore, 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. Only pending transactions can be canceled.

If the payment is still pending because your recipient has not yet enrolled, you may cancel it. To check whether the payment is still pending, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment". If you do not see this option available, please contact our customer support team at 1-866-223-1768 for assistance with canceling the pending payment. Once a recipient has enrolled, they’ll receive the money into their bank account associated with their Zelle^® profile. If the recipient doesn’t enroll with Zelle^® within “14” days, the payment will expire, and the funds will be returned to the sender’s account.

If you sent money to the wrong person, please immediately call our customer support team at 1-866-223-1768 so we can help you.

No, FNBO does not charge any fees to use Zelle^® in the FNBO app. Transactions using Zelle^® with your FNBO Savings account will count toward your number of free withdrawals. Please review our savings account details here. 

Your mobile carrier’s messaging and data rates may apply.

You can find a full list of participating banks and credit unions live with Zelle^® here.

If your recipient’s bank or credit union 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.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

Zelle^® should only be used to send and receive money with people you know and trust. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle^® for these types of transactions, which are potentially high risk. Zelle^® does not offer a protection program for any authorized payments made with Zelle^®, for example, if you make a purchase using Zelle^®, but you do not receive the item, or the item is not as described or as you expected.

All transactions are treated like cash. Payments sent with Zelle^® are not covered by the same protections associated with credit card or debit card payments.

All transactions are treated like cash. Payments sent with Zelle^® are not covered by the same protections associated with credit card or debit card payments. Once you send money with Zelle^®, you cannot cancel the payment if your recipient has already enrolled. There is no protection program offered 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. Zelle^® should only be used to send and receive money with people you know and trust. Always remember to carefully verify your recipient’s email address or U.S. mobile number before you send money.

All Zelle^® transactions will show in your bank history and on your statement. The description will read “Zelle^® (followed by the transaction ID# specific to that transaction).”

Yes, you can use Zelle^® with your FNBO savings account. Each time you use Zelle^® with your savings account it will count towards your transaction limit of 6 per month. If you are planning on using Zelle^® more frequently schedule your transactions through your checking account. Click here to view our savings account details.

Zelle^® supports the use of a token at only one financial institution for receiving payments, so if a user has an email address or U.S mobile number at ABC financial institution, they cannot use that same email address or phone number at XYZ financial institution to receive payments.

If you see an unauthorized transaction through Zelle^® please contact us at 1-866-223-1768.

You can find a full list of participating banks and credit unions live with Zelle^® here.

If your recipient’s bank or credit union 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.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.