Send Money With Zelle®

Send Money In The Moment¹
From Your First Entertainment App

A fast, safe and easy way to send money to friends, family and other people you trust, regardless of where they bank¹. Whether you're paying rent, gifting money, or splitting the cost of a bill, Zelle^® has you covered.

For more information about Zelle^® Financial Education and best practices, click here.

Zelle^® Frequently Asked Questions

• What is Zelle^®?

  Zelle^® is an easy way to send money directly between almost any U.S. bank account, typically within minutes. With just an e-mail address or mobile phone number, you can quickly, safely and easily send and receive money with more people, regardless of where they bank.

  When you enroll with Zelle^® using First Entertainment Digital Banking, we establish a connection between your e-mail address or U.S. mobile phone number and your eligible First Entertainment checking account.

• Who can I send money to? 

  You can use Zelle^® to send money to almost anyone with an eligible U.S.-based bank account. Eligibility requirements may vary depending on where your recipient banks. For your protection, you should only use Zelle^® when sending money to people you know and trust, such as friends and family. (Note: You can't use prepaid cards to send money with Zelle^®.)

  Check with your recipient to ensure their correct e-mail address or U.S. mobile phone number is enrolled in Zelle^® so they can receive money.

• How to Use Zelle^® Safely and Avoid Payment Scams

  Zelle® and other popular digital payment apps make sending or receiving money convenient. But criminals are taking advantage of the platform to scam people into sending them money.

  Here are a few tips to protect yourself and your money when using peer-to-peer digital payment services like Zelle®:

  1. Treat Zelle^® like cash. Zelle^® does not offer a protection program for authorized transactions that turn out to be fraudulent, and once you hand over payment, it is difficult or impossible to get it back. 
  2. Send money only to people you trust. Never send money to any stranger who contacts you through social media, claims to be from a government agency or First Entertainment, or asks you to send money to yourself.
  3. Never share your log-in credentials. Refrain from sharing your Digital Banking user ID or password with anyone under any circumstances.
  4. Double-check your payment details. If you erroneously send money to the wrong person or in the incorrect amount, or as a part of a scam, it may be impossible to get back.
  5. Use unique credentials. Protect your account by using a unique password within the First Entertainment mobile app. It is easier to use one password across many apps, but that heightens your vulnerability.
  6. Get familiar with the interface. Zelle^® is primarily used for quick payments, and when you use it for the first time, you may make errors. Practice using the service by sending and receiving $1 with a trusted family member or friend.
  7. Raise a red flag on urgent payment requests. Sense-of-urgency and scare tactics are major red flags, such as a caller claiming to be from a company you do business with and threatening to shut off service if you don’t make a payment immediately.
  8. Protect your account. If your phone has been lost or stolen or if you notice suspicious activity with your online accounts, contact First Entertainment Member Services at 888.800.3328 or fill out the Zelle^® Dispute Form.
• Beware of these current Zelle^® Scams
  1. Fake Fraud Alerts Texts Verifying Zelle^®. Recently, some members have reported receiving fraud alert texts regarding Zelle^® transactions. This alert is not from the credit union. It is coming from fraudsters impersonating us to acquire members’ online banking information. If successful, they may use Zelle® to begin sending money from the members’ accounts to their account.
  2. Depositing Checks from Unknown Sources. Fraudsters ask for a check to be deposited into your account and promise you can keep some of the money. The checks are often counterfeit and will be returned by the financial institution even after funds were made available.
  3. Requests for Personal Account Information: Scammers may mimic an account alert via email or text or call and pose as a First Entertainment employee so they can gain information like passwords or one-time passcodes and access your account.
  4. Offering an Item for Sale Online. Cyber criminals may offer something for sale and then ask for money to be sent as a deposit or for shipping and processing fees.
  5. Online Job Postings. Fraudsters may advertise false opportunities on job boards or social media. They will then send applicants a bad check to be deposited into their account. The fraudsters then request that a portion of the funds be immediately returned due to overpayment or for supplies, etc. The check is usually returned as fraudulent.
  6. Lottery Schemes. Fraudsters claim that they have won the lottery and offer to share a portion of the winnings if you to pay a processing fee or send a portion of funds back after using the same check deposit scheme above.

  Zelle Emotional Scare Tactics
  In these scenarios, scammers create fake stories to drive an emotional reaction, such as:

  • Excitement: People often enter and win sweepstakes. Scammers will say you need to pay a fee before they can send your prize.

  • Fear: Taxpayers sometimes owe money to the IRS, but the IRS doesn’t accept payments via Zelle^®.
  • Compassion: Friends and relatives sometimes ask for money. It’s a major red flag when someone pressures you to keep the transaction a secret.
• Who is eligible to use Zelle^® at First Entertainment?

  Zelle^® is currently available to members with a personal checking account (Value or Advantage), who are 18 years of age or older, and who are in good standing. Zelle is currently not supported on savings accounts, business accounts, trust accounts, Coogan accounts, or money market accounts. For full program details, consult the Zelle Network^® User Agreement available on our Disclosures page.

• How do I enroll with Zelle^® at First Entertainment? 

  To enroll with Zelle^®, log in to Digital Banking and click on the Zelle^® widget. From there, click on ”Get Started” within the widget, view and accept the Terms and Conditions, and follow the instructions to complete enrollment. You will need an e-mail address or U.S.-issued mobile phone number to enroll.

• What does enroll mean? 

  When you enroll your e-mail address or U.S. mobile number with First Entertainment to receive money with Zelle^®, you are establishing a connection between the e-mail address or U.S. mobile number and your checking account where we will deposit your money. When someone sends you money, they use your enrolled e-mail address or U.S. mobile number. Once the payment is processed, we will automatically deposit the funds into that account.

• What if I have already enrolled with my mobile phone number or e-mail address at another financial institution? 

  If you previously enrolled with the same mobile phone number or e-mail address at another financial institution and attempt to enroll again at First Entertainment, you will be asked if you wish to transfer the accounts where your payments will be sent. If you agree to transfer the financial institution where your funds will be sent, future payments will automatically be deposited to your account at that institution.

• How do I send money with Zelle^®? 

  Follow these steps to send money with Zelle:

  1. Click on the Zelle^® widget - sign on to First Entertainment Digital Banking, then click on the Zelle^® Widget located under the More widget menu. On mobile, you may need to scroll down and expand the ”Others” section to see more widgets. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions and enroll an e-mail address or U.S. mobile number, and link a deposit account so you can receive money with Zelle^®.
  2. Add or select recipient - to add a recipient, select the “ + ” icon at the upper right of your screen and enter your recipient’s information. If your recipient is already in your list of recipients, select their name (on a smartphone) or the arrow to the right of their name (on a desktop or tablet) to continue.
  3. Enter amount and select your funding account - choose an account to fund your payment. Next, select Continue.
  4. Review and send - carefully review the details of your payment before you send it. If it’s the first time you’ve sent money to this recipient, we will send you an access code to help verify your identity. If your recipient’s U.S. mobile phone number or e-mail address is enrolled with Zelle^®, we’ll display the name of the recipient on record before you continue (in some cases, this may only be a first name). After you send your payment, you’ll get a confirmation with the details of your payment.
  5. Recipient is notified - your recipient will be notified by e-mail or text message with the details of your payment and instructions on how to enroll to receive the money with Zelle^® if they have not yet enrolled. If they have already enrolled, the payment will be deposited to their account, typically within minutes.
  6. Recipients must enroll to receive money - if your recipient is not enrolled with Zelle^®, they’ll need to enroll to receive money. They will have fourteen (14) days to complete their one-time enrollment using the same e-mail address or U.S. mobile number you used to send them the payment. If your recipient does not enroll with Zelle^® within 14 days, the money will be returned back to your account.
• I received an error message when attempting to send or receive funds. What can I do? 

  Take note of the error code received and contact First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM for additional assistance.

• Do I have to download an app to use Zelle^® at First Entertainment?  

  Zelle^® is accesible through the Zelle^® Widget within the First Entertainment Digital Banking application or desktop site. You do not need to download a separate app to use Zelle^®.

• What protection do I have when using Zelle^®? 

  You are protected in the unlikely event an unauthorized user accesses your consumer accounts and initiates payments using First Entertainment Digital Banking. We also employ fraud mitigation technology to minimize the risk of fraud.

  Note: Because Zelle^® is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction. Once you send money with Zelle^®, you cannot cancel the payment if your recipient has already enrolled. Neither First Entertainment 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. We cannot guarantee a return of funds once you send them using Zelle^®.

  We recommend you only send money to known and trusted recipients when using Zelle^®.

• Is there a fee for Zelle^®?

  First Entertainment does not charge a fee to send or receive money with Zelle^®. However, when using Zelle^® on a mobile device, your mobile carrier’s message and data rates may apply.

• How much money can I send and receive with Zelle^®? 

  Sending limits: For your security, we restrict the amount of money you can send to recipients. The amounts you can send will vary based on your funding account, your recipient, your account and online banking history, and the payment history for each recipient. For questions about your limits, please contact First Entertainment Customer Service at 1-888-800-3328:, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM.

  Receiving limits: We do not limit how much money you can receive with Zelle^® using your e-mail address or U.S. mobile phone number. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution or payment network.

  For more information about the Zelle^® service, see the Zelle Network^® User Agreement. Any limits in place apply only to Zelle^® payments when initiated from First Entertainment Digital Banking or the First Entertainment Mobile app.

• When will my payment arrive with Zelle^®?  

  Once your recipient enrolls either a U.S. mobile phone number or e-mail address with Zelle^®, payments are typically delivered within minutes.

  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 sent directly to your recipient’s account, typically within minutes.

  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 e-mail 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 e-mail or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct e-mail address or U.S. mobile phone number.

• Who are Zelle^® participating financial institutions? 

  For a full list of participating financial institutions, visit zellepay.com/partners.

  If your recipient does not have an account with a Zelle^® participating financial institution, you can still use Zelle^® through First Entertainment Digital Banking to send them money from your personal account. They can use the separate Zelle^® app to receive the money, subject to eligibility requirements and terms and conditions. To send money to an eligible small business, both parties must be enrolled with Zelle^® directly through their financial institution's online or mobile banking experience.

  Remember to only use Zelle^® to send money to friends, family, and people you know and trust.

• Will I receive text messages from First Entertainment when I use Zelle^®? 

  First Entertainment may send you text messages related to your Zelle^® activity (like when you add a new recipient or when you send money to a first-time recipient). First Entertainment text messages related to Zelle^® will come from 53608. You can stop text messages related to Zelle^® by following the instructions found in the body of the text messages.

  First Entertainment will need to help verify your identity before processing some Zelle^® payments, including when you send money to a first-time recipient. This step requires us to send you a text message code.

• Someone sent me money using Zelle^®. How do I receive the money?  

  When someone sends you money, you’ll be notified by e-mail or text message.

  If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your First Entertainment Credit Union account, typically within minutes.

  If you have not yet enrolled with Zelle^®, follow these steps:

  1. Click on the link provided in the payment notification you received via e-mail or text message.
  2. Select First Entertainment Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the e-mail address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle^® using that e-mail address or U.S. mobile phone number to ensure you receive your money.

  Note: When enrolling in at Zelle^® at First Entertainment, ensure the mobile number or e-mail used matches what you have on record with us. If your information does not match, you will need to update it in Digital Banking before you can continue enrollment.

• How do I request money with Zelle^®? 

  Follow these steps to request money with Zelle^®:

  1. Click on the Zelle^® widget
     Sign on to First Entertainment Digital Banking, then click on the Zelle^® Widget located under the More menu. On mobile, you may need to scroll down and expand the Others section to see more widgets. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions and enroll an e-mail address or U.S. mobile number, and link a personal checking account so you can receive money with Zelle^®.
  2. Add or select recipient
     To add a recipient, select the “ + ” icon at the upper right of your screen and enter your recipient’s information. If your recipient is already in your list of recipients, select their name (on a smartphone) or the arrow to the right of their name (on a desktop or tablet) to continue.
  3. Enter the requested amount
     Enter the amount you want to request and verify the checking account where funds will be deposited. Next, select Continue.
  4. Review and send
     Carefully review the details of your payment request before you send it. If your recipient’s U.S. mobile phone number or e-mail address is enrolled with Zelle^®, we’ll display the name of the recipient on record before you continue (in some cases, this may only be a first name). After you send your payment request, you’ll get a confirmation with the details of your request.
  5. Recipient is notified
     Your recipient will be notified by e-mail or text message with the details of your request and instructions on how to enroll to send the money if action is necessary.
  6. Payment Received
     When the recipient completes the payment request, funds will be sent from their account and automatically deposited to the checking account indicated in the request.
• Can I set up recurring transactions using Zelle^®? 

  Currently, we do not support recurring transactions using Zelle^®.

• Can I use Zelle^® at multiple financial institutions? 

  Yes, you may use Zelle^® at multiple financial institutions, but you may only register a mobile phone number or e-mail address at one institution at a time. Payments will be deposited to the institution where your mobile phone number or e-mail address is currently enrolled.

• Can I register more than one e-mail address or mobile phone number with Zelle^®? 

  Yes. To do so, visit the Zelle^® Widget within Digital Banking, Click on Settings and then click on Add E-mail or Add Mobile. Note that while you will be able to receive funds with your additional phone number(s) or e-mail address(es) on file, you will only receive a notification via the primary e-mail address or mobile phone number registered.

• May I register more than one deposit account with Zelle^® at First Entertainment? 

  Yes, however it must be a personal checking account. You must select a primary checking account for sending or receiving funds.

• I sent money to someone, and they never received it. What should I do? 

  If your recipient did not receive your payment, make sure they’ve enrolled an e-mail address or U.S. mobile number with Zelle^®. If they have enrolled, check that the e-mail address or U.S. mobile number you used to send money to your recipient is associated with your recipient’s Zelle^® profile. If you send funds to someone who is not enrolled, and they do not enroll within 14 days, the funds will be returned to your account and the transaction will be cancelled.

  You can check the payment status in the Zelle^® widget within the Activity section. In some cases, payments may be delayed or blocked for your protection.

  For additional help, call First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM.

• I sent money to the wrong recipient. How do I get it back? 

  If you sent money to the wrong person, we recommend you contact the recipient and request the money to be returned.

• Can I cancel a payment? 

  If your recipient has already enrolled with Zelle^®, the payment is sent directly to their bank account and cannot be canceled.

  If the payment is still pending because your recipient has not yet enrolled, you may cancel it. Go to the Activity section within the Zelle^® Widget, choose the payment you want to cancel, then select Cancel Payment.

  If you do not see this option available, please contact First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM, for assistance with canceling the pending payment.

  We recommend that you only use Zelle^® to send and receive money with people you know and trust. Always remember to carefully verify your recipient’s e-mail address or U.S. mobile number before you send money.

• Can I use Zelle^® internationally?  

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

• What if I want to send money to someone whose bank or credit union doesn’t offer Zelle^®? 

  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 e-mail 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.

• Will the person I send money to be notified? 

  Yes. They will receive an e-mail or text message notification via the e-mail or U.S. mobile number they used to enroll with Zelle^®.

• Can I use Zelle^® to send or receive funds from my business account? 

  First Entertainment Credit Union does not currently offer Zelle^® on business accounts.

• Can I pay a small business with Zelle^®? 

  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 First Entertainment Credit Union mobile app using just their e-mail address or U.S. mobile number.

  Please note, First Entertainment Credit Union does not currently offer Zelle^® on business accounts.

  Neither First Entertainment Credit Union 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. Zelle^® does not offer the same protections when shopping as credit or debit cards. Also, always ensure you’ve used the correct e-mail address or U.S. mobile number when sending money.

• Does Zelle^® report how much money I receive to the IRS? 

  These FAQs are for informational purposes and only relate to the Zelle^® Network. Zelle^® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.

  Does Zelle^® report how much money I receive to the IRS?

  Zelle^® does not report transactions made on the Zelle^® Network to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle^® Network.

  Does Zelle^® tax me on money that I receive?

  Zelle^® is a payment platform. Zelle^® does not impose taxes on transactions made on its network. If payments you receive on the Zelle^® Network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

  Will Zelle send me a 1099K form?

  Zelle^® does not issue 1099K forms for payments made on the Zelle^® Network.

  Does Zelle^® report any payments I receive over $600 to the IRS?

  Zelle^® does not report any transactions made on the Zelle^® Network to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle^® Network. If payments you receive on the Zelle^® Network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

  I have a small business account. Will Zelle^® report how much money I receive to the IRS?

  First Entertainment does not currently support Zelle^® on business accounts. Zelle^® does not report transaction activity to the IRS.

• I’m unsure about using Zelle^® to pay someone I don’t know. What should I do?

  Zelle^® is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. 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, social media, 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.

• What can I do to safely transfer funds using Zelle^®? 

  Always keep your personal account information secure. We will never ask you to provide information such as your digital banking user ID, password, or PIN number.

  We recommend that you only use Zelle^® to send and receive money with people you know and trust. Always remember to carefully verify your recipient’s e-mail address or U.S. mobile number before you send money.

• How do I change the account I use to send and receive money?  

  You can easily change your account directly within the Zelle^® Widget by logging in to First Entertainment Digital Banking.

  To switch your account within the Zelle^® Widget:

  1. Tap the gear icon in the top left corner of your screen
  2. Tap Account
  3. Tap Switch Accounts

  Next, you’ll be prompted to unlink your current account and add a new account. Keep in mind that by switching your account, you will lose all Zelle^® transaction history associated with your old account.
• How do I cancel Zelle^®?  

  To cancel Zelle^® please contact First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM, Sat 8:00 AM-3:00 PM.

• Who do I contact if I have additional questions regarding the Zelle^® service? 

  Please contact First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM.

• Are you a DashCash user?

  If you are a DashCash user, please know this payment option will no longer be available after May 20, 2022. We invite you to register for Zelle^® using our mobile banking app for a faster, safer, and easier way to send and receive money, typically within minutes.

¹ U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

² Payment requests to persons not already enrolled in Zelle^® must be sent to an email address.

³ Mobile carrier fees may apply.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.