Peer-to-Peer Payments

Zelle is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S. With just an email address or U.S. mobile phone number, you can send money to people you trust, as long as they have a bank account in the U.S.

You can send money to friends, family, and others you trust, as long as they have a bank account in the U.S.

Since money is sent directly from your bank account to another person's bank account, it's important to only send money to people you trust, and always double check to make sure you've used the correct email address or U.S. mobile cellphone number.

You can send, request, or receive money with Zelle.

To get started, log into Jovia Financial Credit Union's Online Banking or Mobile app, and select "Zelle®". If this is your first time using Zelle, you will need to register. You can do this by following the steps outlined here.

Send Money
To send money using Zelle, simply click the “Send” tab and add a new contact using a trusted recipient's email address, U.S. mobile phone number, or the account number, routing number, and account type. Next, enter the amount you'd like to send, and an optional note. Then, just review and hit "Send."

Request Money
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". 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.

Receive Money
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 are already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account.

If you are not yet enrolled with Zelle, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select Jovia Financial Credit Union.
• Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using the email address or U.S. mobile number where you received the notification to ensure you receive your money.

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.

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.

When you enroll with Zelle through your online banking account, or mobile banking app, your name, the name of your credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle (don’t worry, no sensitive account details are shared with Zelle ).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies you of the incoming payment. Zelle then directs the payment directly into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, both the sender and recipient's bank accounts must be based in the U.S.

You can only cancel a Zelle payment if the person you sent money to hasn't yet enrolled with Zelle or if the payment is scheduled for a future date. To check whether you can cancel the payment, log into Online or Mobile banking, select "Zelle®", and visit the Activity Tab. If the recipient hasn’t registered with Zelle yet, you can click “Stop the payment”. If the payment is future-dated, you can click “Cancel”. There is no fee for cancelling a pending transaction.

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.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call member services at 1-855-JOVIA4U so we can help you.

Money sent with Zelle is typically available to an enrolled recipient within minutes. (Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.)

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 move directly to your recipient's account.

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 1-855-JOVIA4U.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for Jovia. When you use Zelle within our Jovia Mobile app or Online Banking, your information is protected with the same technology we use to keep your credit union accounts safe.

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 Jovia Financial Credit Union, 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.

If you want to send money today, Zelle Instant allows you to pay anyone by sending money using his/her e-mail, mobile phone or bank account today (typically in minutes).

If you're not in a rush, Zelle Standard allows you to send money to anyone using his/her bank account information, e-mail, or mobile phone tomorrow, or at a future date. Zelle standard has higher transaction limits than Zelle Instant.