Zelle®

A Safe and Easy Way to Send Money to Friends and Family

Credit Union of Southern California (CU SoCal) offers Zelle®—a fast, safe, and easy way to send and receive money with friends, family, and others you trust right from your CU SoCal Mobile Banking App—even if the have a different U.S.-based credit union or bank!

Key Advantages

Easily send money to family and friends

Whether you're contributing to a group gift, chipping in for a restaurant meal, or paying others you know and trust, all you need is the recipient's U.S. mobile number or email to send money directly to their U.S.-based credit union or bank account from your CU SoCal account.

Your information is encrypted

When you use Zelle® from within the CU SoCal Mobile banking app, your information is protected with the same technology we use to keep your account safe.

Paying with Zelle® is free

There are no fees to send or receive money from your CU SoCal Mobile Banking App. When you send money to friends or family, it won’t cost you any extra money for the transaction.¹ That saves you money for other things, like houseplants or babysitters!

Can I pay a small business with Zelle®?

If they accept Zelle® and you’re already enrolled with Zelle® through Online or Mobile Banking, you and the business will be able to use Zelle® to send and receive money in minutes. And remember: Only send money with Zelle® to friends, family and businesses you trust¹.

"I love the new app and also the Zelle® component, so I can send money to friends and family."

Anita La Habra

Frequently asked questions

Zelle® is a fast, safe and easy way to send money to people you know — directly to their bank account and typically in minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².
You can send money to friends, family and others you trust².

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 phone number.
You can send, request, or receive money with Zelle®. To get started, log into Credit Union of Southern California’s (CU SoCal’s) Mobile app and select “Send Money With Zelle®”.

Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code, enter it, 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 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”³.

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®.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your CU SoCal account, typically within minutes¹.

If you have not yet enrolled with Zelle®, log into Credit Union of Southern California’s (CU SoCal’s) Mobile app and select “Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code, enter it, and you are ready to receive the money using “Zelle®”. Be sure the email address or U.S. mobile number where you received the payment notification is the one that you use to enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor².

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

Zelle® payments are similar to cash transactions. Neither CU SoCal nor Zelle® offer a protection program for any authorized payments made with Zelle®. For example, if you do not receive an item you paid for, or if an item is not as described or as you expected.
No, CU SoCal does not charge any fees to use Zelle®. Your mobile provider’s messaging and data rates may apply. Check with your provider for more information.
It’s easy—Zelle® is already available within CU SoCal’s Mobile banking app! Log into our app and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating credit unions and banks live with Zelle® here.

If your recipient’s credit union or bank 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.
When you enroll with Zelle® through our CU SoCal app, we share your name, the email address or U.S. mobile number you enrolled with, and our name, CU SoCal, with Zelle®.

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 CU SoCal of the incoming payment. CU SoCal 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 accounts must be based in the U.S.
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”.

If your recipient has already enrolled with Zelle®, the money is sent directly to their account and cannot be cancelled. This is why it’s critically 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 CU SoCal’s Member Care Center team toll-free at 866 CU SoCal (866.287.6225) so we can assist you.
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 sent directly to 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 call CU SoCal’s Member Care Center team toll-free at 866 CU SoCal (866.287.6225) or get in touch through our support page.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for CU SoCal. When you use Zelle® within CU SoCal’s Mobile banking app, your information is protected with the same technology we use to keep your CU SoCal 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 Credit Union of Southern California 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. Zelle® is linked to the primary Member’s name, email address or U.S. mobile phone number only.
No. Members are eligible to use Zelle® at CU SoCal if they are in good standing, at least 18 years of age and have a checking account
Yes, although you can use Zelle® to send money to another CU SoCal Member, please continue the Transfer feature in CU SoCal’s Online and Mobile Banking. Zelle® is meant for sending money to an account outside credit union or bank and have different limits than Member-to-Member transfers.
If you were using Zelle® directly through the Zelle® app, you will be rerouted to use Zelle® within CU SoCal’s Mobile Banking app. This happens because CU SoCal is now a participating partner with Zelle®, and the Zelle® app is only available to a consumer whose financial institution does not offer Zelle®.
Because CU SoCal offers Zelle®, you can use Zelle® directly through CU SoCal’s Mobile Banking app to send and receive money. The Zelle® app is only available to a consumer whose financial institution does not offer Zelle®.
Just start using Zelle® in CU SoCal’s Mobile Banking app!

To get started, log into CU SoCal’s Mobile Banking app and select “Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, enter your email address or U.S. mobile phone number, receive a verification code, enter it, and you’re ready to start sending and receiving with Zelle®.
You’ll no longer be able to use the Zelle® app. To continue using Zelle®, you’ll need to enroll through CU SoCal’s Mobile Banking app.
Any pending payments and requests you’ve sent will be cancelled. But don’t worry, once you’ve enrolled with Zelle® through CU SoCal’s Mobile Banking app, you can start sending and receiving money again.
Follow the prompt in the Zelle® app, and enroll with Zelle® through CU SoCal’s Mobile Banking app. Once you’re enrolled with Zelle® through CU SoCal, contact your friend and have them resend you a request. Or, if you already know the amount of money your friend is requesting, you can simply send the money with Zelle® through CU SoCal’s Mobile Banking app. Be sure to confirm their correct email or U.S. mobile number tied to the credit union or bank account they have enrolled with Zelle®.

Note: When you are no longer able to directly use the Zelle® app, any pending payment requests will be cancelled.
For more information on Zelle® transactions and the IRS, visit FAQs on zellepay.com.

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1. U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
2. Limits apply. Contact CU SoCal for more information.
3. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.