Zelle<sup><font size="5">®</font></sup> is a fast, safe and easy way to send money to friends and family.
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We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust.1 Zelle® is available right from online and mobile banking, so you don’t need to download anything new to start sending and receiving money.
Zelle® is a fast, safe and easy way for many small businesses to get paid. Eligible businesses can now use Zelle® to request and accept payments from their customers.3
Using Zelle® is:
Fast
Send money directly from your account to theirs, typically in minutes1.
Safe
Send and receive money with Zelle® online or in our mobile banking app.
Free
There are no fees to send money with Zelle® from our online or mobile banking app.
Fraud Awareness
Checklist: How to use Zelle® to safely pay others
- Do you know and trust the person youre sending money to? Payments can't be canceled if the other person is already enrolled with Zelle®.
- Does anything seem suspicious about the payment youre making? Is the recipient expressing extreme urgency or claiming to be from Texas Capital Bank? Are you paying in advance for the event tickets or an item you found online? In any of these scenarios, its better to choose a different payment option.
- Are you treating Zelle® like cash? Money moves fast with Zelle®. Make sure you enter your recipient's U.S. mobile number or email address correctly.
Frequently Asked Questions about Zelle<sup>®</sup>
Personal
What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
Who can I send money to with Zelle®?
You can send money to friends, family and others you trust1.
Since money is sent directly from your bank account to another person's bank account within minutes1, 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.
How do I use Zelle®?
You can send, request, or receive money with Zelle®.
- 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®.
- 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"1.
- 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®.
Someone sent me money with Zelle®. How do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes1.
If you have 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 Texas Capital Bank.
- 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 that email address or U.S. mobile number where you received the notification to ensure you receive your money.
What types of payments can I make with Zelle®?
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
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.
How do I get started?
It's easy — Zelle® is already available within Texas Capital Bank’s mobile banking app and online banking within ‘Move Money’! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.
What if I want to send money to someone whose financial institution doesn't use Zelle®?
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.
How does Zelle® work?
When you enroll with Zelle® through your online banking account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Texas Capital Bank).
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 Texas Capital Bank of the incoming payment. Texas Capital Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.
Can I cancel a payment?
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 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 Client Support at 877.839.2265 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Texas Capital Bank but are a separate service from Zelle® and can take 1 to 3 business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes1.
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 in your recipient's account, typically within minutes1.
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 Client Support at 877.839.2265.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
Is my information secure?
Keeping your money and information safe is a top priority for Texas Capital Bank. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
I'm unsure about using Zelle® to pay someone I don't know. What should I do?
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 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.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Client Support at 877.839.2265 and ask them to move your email address or U.S. mobile phone number to Texas Capital Bank so you can use it for Zelle®.
Once Client Support moves your email address or U.S. mobile phone number, it will be connected to your Texas Capital Bank account so you can start sending and receiving money with Zelle® through the Texas Capital Bank mobile banking app and online banking. Please call Texas Capital Bank’s Client Support at 877.839.2265 for help.
Small Business
How do I use Zelle® with a small business account?
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.
Who can I send money to with Zelle® when I have a small business bank account?
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.
I have a small business bank account. Who can I receive payments from with Zelle®?
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.
How long does it take to receive payments with Zelle®?
Once you’re enrolled with Zelle®, the money you receive is typically available within minutes.
How do I receive payments with Zelle®?
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.
How do I request payments with Zelle®?
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.
How do I tell my customers that they can pay me with Zelle®?
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.
How do I use Zelle® to request a payment from my customer?
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.
Does Zelle® or Texas Capital Bank offer purchase protection?
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.
Are there any fees to use Zelle® with a small business account at Texas Capital Bank?
No, Texas Capital Bank does not charge a fee to use Zelle® with a small business account.
I want to use Zelle® to send and receive money with friends from my personal bank account, as well as to receive payments for my small business from my business account. Are there any differences in the experience?
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.
If I already use Zelle® for my small business, do I need to do something different to continue using Zelle®?
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.
I already use Zelle® through my personal bank account. How do I enroll to use Zelle® with my small business bank account?
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.
If I use Zelle® for my small business, will Zelle® integrate with software?
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.
How do I know if my small business is eligible to use Zelle®?
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.
Who should I call if I have questions or need help?
Please call Client Support at 877.839.2265 so we can help you.
Can I cancel a payment if I sent money using Zelle®?
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.
Is there a limit to how much money I can send with Zelle®?
The limit for small businesses is $2,500 per day / $10,000 per month.
Is there a limit on the number of transactions I can send with Zelle® each month?
15 daily transactions or 20 monthly transactions.
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1. U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
2. Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
3. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience
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