Zelle^{<font size="5">®</font>} is a fast, safe and easy way to send money to friends and family.

To get started, log into Texas Capital Bank’s online banking or mobile app, navigate to ‘Move Money’ and select "Send Money with Zelle^®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle^®. 

Please note: Texas Capital Bank must have your Social Security Number or Date of Birth on record before Zelle^® enrollment can be completed for both consumer and small business clients.  

When you use Zelle^® with a small business account, you can send money to other small businesses with an eligible account at a financial institution that offers Zelle^® to small businesses. You can also send money to consumers that have access to Zelle^® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are only enrolled in the Zelle^® app.

If the small business or consumer you send money to has already enrolled with Zelle^® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. 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.  
 

You can receive payments from consumers using Zelle^® through their bank’s mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle^® to small businesses. At this time, you’re not able to receive payments from consumers that are only enrolled in the Zelle^® app.

Once you’re enrolled with Zelle^®, the money you receive is typically available within minutes.

First, you should enroll your email address or U.S. mobile number with Zelle^® through your mobile banking app and associate it with your small business banking account. Second, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. You don’t need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile number to identify you. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

You can also request payments directly through your mobile banking app by clicking “Send Money with Zelle^®,” selecting “Request,” entering your customer’s email address or U.S. mobile number, confirming the recipient is correct (make sure you’ve entered the correct email address or U.S. mobile number of the person or business you want to request payment from) and tapping “request”². 

If your customer is using Zelle^® through their bank’s mobile app, they’ll be able to pay you with Zelle^®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle^® app, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method. 

There are a few ways you can encourage your customers to pay you with Zelle^®. 

• Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle^®” or “Pay me with Zelle^®”.
• Use Zelle^® to request money¹ from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®). 
• Add pre-approved Zelle^® content to your business website: zellepay.com/smallbusiness-toolkit.

Please note, you’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle^® app.  

To request money with Zelle^®, select “Move Money” and select “Send money with Zelle^®’ in your mobile banking app, 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”¹.

Neither Texas Capital Bank 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. 

 No, Texas Capital Bank does not charge a fee to use Zelle^® with a small business account.

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their mobile banking app don’t need to do anything different to send money to a small business – they use the existing Zelle^® experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for small businesses³, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle^® app. 

The same U.S. mobile number or email address cannot be used for multiple accounts; if you already use Zelle^® for your small business with another financial institution, please use a different U.S. mobile number or email address to enroll your Texas Capital Bank account. If you enroll using the same U.S. mobile number or email address, your current Zelle^® enrollment will be transferred to Texas Capital Bank. 

To get started, log into Texas Capital Bank’s online banking or mobile app. To enroll a small business bank account with Zelle^®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle^®. For example, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account. 

Please note: Texas Capital Bank must have your Social Security Number or Date of Birth on record before Zelle^® enrollment can be completed for both consumer and small business clients.   
 

No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.   

If you mostly receive payments from your customers or make payments to your suppliers via either cash or check, your small business may be a good fit for Zelle^®.

Only Small Business Checking, Professional Checking and Small Business Banking Solutions accounts are currently eligible to send and receive money with Zelle ^®. Other types of accounts, such as Commercial Analyzed Checking accounts, aren't eligible for incoming or outgoing Zelle^® payments. 

Please call Client Support at 877.839.2265 so we can help you. 

You can only cancel a payment if the small business or consumer 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 send money to a small business or consumer that has already enrolled with Zelle^® through their bank or credit union’s mobile app, 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 try to send money to a consumer who is enrolled in the Zelle^® app, the payment won’t go through and a message will be displayed to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending money to users enrolled in the Zelle^® app.   

If you sent money to the wrong person, please immediately call Client Support at 877.839.2265 so we can help you. 

The limit for small businesses is $2,500 per day / $10,000 per month.

15 daily transactions or 20 monthly transactions.