Start sending money with Zelle®

Zelle is a convenient way to send money using your mobile banking app or online banking account.

 

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1 , and all you need is the recipient's email address or U.S. mobile phone number.

 

Mobilize your money with Zelle.

 

 

 

 

Send

Send money in just a few steps. 

 

 

 

Request

Settle up with roommates, friends and more, regardless of where they bank2.  

 

 

 

Split

Easily divide the check for dinner, coffee and more. 

 

Frequently Asked Questions

 

WHAT IS ZELLE®?

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 Meritus Credit Union.1

 

HOW DO I USE ZELLE®?

You can send, receive, or request money with Zelle®. To get started, log into the Meritus CU mobile app or online banking. In the footer menu, select "Transfers". Then "Send money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Meritus Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

A. Click on the link provided in the payment notification you received via email or text message.

B. Select Meritus Credit Union.

C. 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 to ensure you receive your money.

 

IS MY INFORMATION SECURE?

 Keeping your money and information secure is a top priority for Meritus Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Meritus Credit Union account safe.

 

WHO CAN I SEND MONEY TO 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 neighbor.1

Since money is sent directly from your Meritus Credit Union account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

 

CAN I PAY A SMALL BUSINESS WITH ZELLE®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the Meritus CU mobile app or online banking using just their enrolled email address, U.S. mobile number, or Zelle® tag.

 

DOES MERITUS CREDIT UNION OR ZELLE® OFFER PURCHASE PROTECTION?

Neither Meritus Credit Union nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

 

I BELIEVE I'VE BEEN A VICTIM OF A SCAM. WHO SHOULD I CONTACT?

Please contact our customer support team at 337.989.2800. Qualifying imposter scams may be eligible for reimbursement.

 

CAN I USE ZELLE INTERNATIONALLY?

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

 

CAN I REVERSE OR CANCEL A PAYMENT?

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 337.989.2800 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 337.989.2800 to determine what options are available.

 

ARE THERE ANY FEES TO SEND MONEY USING ZELLE® ? 

You are responsible for paying all fees associated with your use of the Zelle and Other Payment Services. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Zelle and Other Payment Services or Site. YOU FURTHER ACKNOWLEDGE AND AGREE THAT ANY APPLICABLE FEES WILL BE CHARGED REGARDLESS OF WHETHER THE PAYMENT INSTRUCTION IS COMPLETED, UNLESS THE FAILURE TO COMPLETE THE INSTRUCTION IS SOLELY DUE TO OUR FAULT, except for those fees that are specifically use-based, such as Zelle Payment Requests, if applicable. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from your designated Eligible Transaction Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts (or Other Eligible Transaction Accounts) will continue to apply. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and Internet service provider. Section 18 of the General Terms (Failed Or Returned Payment Instructions) applies if you do not pay our fees and charges for the Zelle and Other Payment Service, including without limitation if we debit the Eligible Transaction Account for such fees, as described in this Section, and there are insufficient fees in the Eligible Transaction Account.

We do not currently charge a fee to send or receive money using Zelle®. However, we reserve the right to charge fees in the future. If fees are introduced, you will be notified in advance in accordance with applicable law.

 

ARE THERE ANY LIMITS FOR SENDING AND RECEIVING MONEY WITH ZELLE® ?

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Meritus Credit Union send limits, call our customer service at 337.989.2800.

At Meritus Credit Union, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

 

WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE BANK OR CREDIT UNION DOESN'T OFFER ZELLE®?

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.

 

 

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App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

© 2026 Meritus Credit Union