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Introducing Zelle®

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.

Coin and Finger


Send money directly from your account to theirs – typically in minutes1.



Use Zelle® within the app you already trust. No account numbers are shared.

Mobile Phone


Send money using just an email address or U.S. mobile number.

Enroll with Zelle® now

Enroll today and send money to friends and family:

  1. Log into the First Entertainment Credit Union App.
  2. Click on the Zelle® widget, select “Send Money with Zelle®.
  3. Enroll your U.S. mobile number or email address.
  4. You’re ready to start sending and receiving money with Zelle®.

Don’t have the app? Download it now

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

Zelle® Frequently Asked Questions

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.

  1. Members who wish to use Zelle for the first time at First Entertainment will need to enroll in the service before they may send or receive funds. Before enrolling a token, the member needs to meet the eligibility requirements below:
    • Must have a personal checking account (Value or Advantage)
      • Note: Savings accounts, Coogan Accounts, Trust Accounts, Money Market Accounts, and Business Accounts are not currently eligible for Zelle®
    • Must be age 18 or older
    • Must be enrolled and use Digital Banking
    • Must not have any Court Ordered Blocks
    • Must be eligible to be part of the Zelle® Network
    • Membership extend past 90 days
  2. Log into Digital Banking at or through the mobile app
    • On Mobile, click on the Zelle Widget. On Desktop, hover Transfer and Pay, then click Send Money with Zelle.
    • Upon accessing Zelle for the first time, select Get Startedto begin enrollment.
    • Read and accept the program’s terms and conditions, and then choose either your email address or phone number as the token you wish to enroll with.
    • After selecting which token you would like to enroll, a one time passcode will be sent to the email address or phone number used
    • The last step is to link Zelle to a personal checking account at First Entertainment and then you’ll be enrolled!

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.

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 accountIf 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.
  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 OnlineCyber 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 PostingsFraudsters 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 SchemesFraudsters 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.
  • FearTaxpayers sometimes owe money to the IRS, but the IRS doesn’t accept payments via Zelle®.
  • CompassionFriends and relatives sometimes ask for money. It’s a major red flag when someone pressures you to keep the transaction a secret.

Reminder: Sending funds via Zelle is like using cash – once funds are sent, it can be very difficult or impossible to recover them. Zelle does not offer the same protections as using a credit or debit card. First Entertainment highly recommends that members use Zelle to send money only to people they know and trust. Once you send funds using Zelle, we cannot guarantee those funds can be returned.

  1. You may attempt to dispute a transaction sent via Zelle, but First Entertainment cannot guarantee the return of those funds.
    • A Zelle transaction can be disputed up to 120 days from the transaction date
    • A Zelle dispute will be researched and resolved within 7 business days
  2. To dispute a transaction, please fill out the Zelle Dispute Form on A physical copy is also available to fill out in the branch.
  3. The form includes relevant information around the dispute such as your name, phone #, member number, email, date they discovered the error, and an opportunity to provide a brief description of the disputed transaction. (see attachment)
  4. Once the DocuSign is completed, it’ll be sent to our Zelle Dispute Team for further review.
  5. Please allow up to 7 business days for the dispute attempt to be completed and funds returned, if recoverable. A representative from First Entertainment will follow up on the status of your claim.

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.


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.




To be eligible for Zelle®, you must be a member for at least 90 days. U.S. checking or savings account required to use Zelle. Payment requests to persons not already enrolled in Zelle® must be sent to an email address.

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.