Zelle^® is a convenient way to send, receive and request money with friends, family and others you trust through your bank or credit union’s mobile app or online banking.  All you need is your recipient’s enrolled email address or U.S. mobile number, and money will be available to use in minutes. Your account information and activity stay private. Zelle^® is currently live in more than 2,300 Financial Institutions, so you can send money to friends and family even if they don’t bank at Apple Federal Credit Union.¹

No, Apple FCU does not charge any fees to use Zelle^® in the Apple FCU App. Your mobile carrier's messaging and data rates may apply.

To get started, log in to Apple FCU Digital Banking and > Move Money > Send Money With Zelle^®. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Once you enter it, 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 from whom you'd like to request money, enter the amount you'd like to request, 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 phone number.

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^®.

It's easy ‐ Zelle^® is already available within Apple FCU Digital Banking. Check our App or sign in Online and follow a few simple steps to enroll with Zelle^® today.

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

When you enroll with Zelle^® through Apple FCU Digital Banking, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with Apple FCU).

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 Apple FCU of the incoming payment. Apple FCU then directs the payment into your account, all while keeping your sensitive account details private.

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

No, Zelle^® payments cannot be reversed.

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 you do not see this option available, please contact our customer support team at 703-788-4800 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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 know and 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, please immediately call our customer support team at 703-788-4800 to determine what options are available.

Money sent with Zelle^® is typically available to an enrolled recipient 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 available directly in 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 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 call 703-788-4800.

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

Keeping your money and information safe is a top priority for Apple FCU. When you use Zelle^® within our App or Online Banking, your information is protected with the same technology we use to keep your account 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 Apple FCU 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call us at 703-788-4800 and ask to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle^®.

Once your email address or U.S. mobile phone number is moved, it will be connected to your account so you can start sending and receiving money with Zelle^® through your Apple FCU App and Online Banking. Please call 703-788-4800 for help.

Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into Apple FCU Digital Banking, click “Send Money with Zelle^®”. Next, go to your “Zelle^® settings” and click “Zelle^® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive money, share your Zelle^® QR code.

To send money, log into Apple FCU Digital Banking, click “Send money with Zelle^®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.