If you have a checking account with Union Bank, Zelle® is already available in your mobile banking app.Check your app and follow a few simple steps to enroll with Zelle® today.
You can send, request, or receive money with Zelle®. To get started, log into your Union Bank mobile app and tap the "Transfer/Send" menu button at the bottom of the screen, then select the Zelle® icon. Following the prompts, enter the information requested, accept the terms and conditions, and you're ready to start sending and receiving 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 phone number), add 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 minutes.
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".
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®.
You can view our interactive demos if you would like more instruction:
Enroll and Send Money
Request A Payment
Split a Bill
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The payments app Zelle quickly became popular among users. These days, the banks are loving it, too.
Zelle is a service that lets you digitally transfer money to someone else — no cash, checks, or wire transfers required. The service launched two year ago when JPMorgan, Bank of America, Wells Fargo, US Bancorp, Capital One, BB&T, and PNC joined together to launch Zelle.
Zelle is similar to the super-popular payments app Venmo. Both Venmo and Zelle let you send money to friends instantly, but there are some key differences between the two services: Money sent through Venmo can be transferred instantly with Venmo's "instant transfer" feature, but Venmo charges a fee of 1% of the transfer amount if you go that route. Money sent through Zelle is transferred to your bank account automatically, free of charge.
This feature may have contributed to why Zelle has become so popular. According to eMarketer data, after only a year on the market, Zelle was poised to overtake Venmo as the most-used peer-to-peer payment app in the US. In the first quarter of 2019, Zelle processed $39 billion in payments, whereas Venmo processed $21 billion in payments during the same quarter.
And now, banks are starting to reap the rewards of Zelle and technologies like it. Bank of America CEO Brian Moynihan, for example, said at a recent conference that Zelle handled $44 billion in Bank of America customer transactions last year, which reduced the number of paper checks — saving the company the money it normally spends on processing those checks.
So what makes Zelle different from other payment apps, and how do you use it? Here's everything you need to know.
This is an update to a story originally published in 2018.
To get started with Zelle, download the mobile app. You'll be prompted to search for your bank right off the bat.
Business InsiderOnce you locate your bank, you'll need to give Zelle permission to link your bank account to the app.
Business InsiderNext, you'll need to log into your bank account online. This is followed by several steps to verify your identity.
Business InsiderZelle is very clear about what it will be accessing in your bank account. As with any app, it's a good idea to read the fine print before clicking "I agree."
Business InsiderOnce you're in, you'll see this screen. This is the home screen for the Zelle app, and you can probably already tell that it's pretty different from Venmo or other payment apps. There's no social feed, just three options: send, request, or split.
Business InsiderZelle keeps track of your activity within the service — it even tracked money I had sent from within my banking app (more on that in a minute).
Business InsiderIf your bank offers Zelle like mine does, it may be built directly into the bank's app. If I want to use the service, I can do so without having the separate Zelle app on my phone.
Business InsiderHowever, if you find yourself using the service a lot, you may like having the separate Zelle app, as it's a bit easier than logging into your bank account each time you want to send or request money.
But the best part about Zelle is that the money shows up in your bank account immediately. You don't have to wait several days for it to arrive. Plus, there's no fee for using the service.
Zelle is free to download for iOS and Android users.
Avery Hartmans
Senior Reporter
Avery Hartmans is a senior reporter on Insider's business news team. She previously served as an editor overseeing Insider's consumer tech coverage. Before Insider, she covered tech and startups for the Pittsburgh Business Times. She has a degree in journalism from Syracuse University. You can contact her at .
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