Personal Banking

Send Money in Minutes with Zelle

Pay a friend, split a dinner, or send rent. Zelle moves money directly between bank accounts in minutes, no cash, no checks, no waiting. Built into the ACU app and online banking at no extra charge.

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ACU member sending money with Zelle on a smartphone
How Zelle Works at ACU

Fast, Free, and Already in Your App

Zelle is built into ACU online and mobile banking. No separate account. No extra download. No fee.

Instant Transfers

Money moves directly from your ACU account to the recipient's bank account in minutes, not days. No holds, no intermediate accounts.

No Fees

Zelle is built into ACU online and mobile banking at no cost. ACU does not charge a fee to send or receive money through Zelle.

No Separate App

Use Zelle directly in the ACU mobile app or online banking. No need to create a separate Zelle account or download a separate app.

Bank-Level Security

Money moves between federally insured bank and credit union accounts. No money is stored in the Zelle network. Transfers are authenticated through your ACU login.

 Six Reasons Members Use Zelle Daily 

Everything You Need to Move Money Faster

Zelle is already available inside your ACU account. Here is what that means for you.

Minutes, Not Days

Most transfers complete within minutes when both parties have enrolled with Zelle.

No ACU Fee

Standard Zelle transfers through ACU online and mobile banking are free.

Works with Any U.S. Bank

Send to anyone at a bank or credit union that partners with Zelle.

Just an Email or Phone Number

No account numbers needed. Send using the recipient's email address or U.S. mobile number.

Built into Your ACU App

No extra login, no separate download. Already available in your ACU banking app.

NCUA-Insured Accounts

Funds leave from and arrive into federally insured accounts.

Get Started

Send Your First Transfer in Three Steps

Already an ACU member with online banking? You can send money with Zelle right now.

1

Open the ACU App

Log in to ACU mobile banking or online banking. Select "Send Money with Zelle" from the main menu.

2

Enter Recipient Details

Enter the recipient's email address or U.S. mobile phone number. If they are already enrolled with Zelle, the transfer goes directly to their account.

3

Enter Amount and Send

Type the dollar amount, add an optional note, and confirm. Most transfers arrive within minutes.

★★★★★

“My roommate and I split everything through Zelle. I pay the electric bill, she pays me back the same day. No Venmo, no PayPal, no carrying cash. It is right there in the ACU app and it just works.”

A
Alicia T.
Spanaway Branch
Common Questions

Zelle at ACU: Frequently Asked Questions

Answers to the questions members ask most about sending money with Zelle through ACU.

Log in to the ACU mobile app or online banking and look for "Send Money with Zelle" in the menu. If this is your first time, you will complete a one-time enrollment using your email address or U.S. mobile number. After enrollment, you can send and receive money immediately.
No. ACU does not charge a fee to send or receive money through Zelle. Standard account terms apply. Some banks and credit unions may charge fees on their end, but ACU does not.
When both the sender and recipient are enrolled with Zelle, transfers typically arrive within minutes. If the recipient has not yet enrolled, they will receive a notification and have 14 days to enroll before the payment expires and is returned to your account.
Zelle transfer limits are set by ACU and may vary by account type and history. Log in to ACU online banking or call 253-964-3113 to confirm your current sending limits.
Zelle transfers are instant and typically cannot be reversed once the recipient is enrolled. Before sending, confirm the recipient's email address or phone number carefully. If you believe you sent money to the wrong person in error, contact ACU at 253-964-3113 immediately.
Yes. Zelle works between accounts at any U.S. bank or credit union that supports Zelle. Both parties do not need to bank with ACU. If the recipient's bank does not support Zelle, they can still receive money through the Zelle app directly, though transfers may take one to three business days.

Money That Moves as Fast as You Do

Zelle is already built into your ACU account. Log in and send your first transfer today.

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Disclosures

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Zelle is available to ACU members enrolled in online or mobile banking. Transfer limits apply. Transfers are typically completed within minutes when the recipient is enrolled with Zelle; some transfers may take longer. ACU is not responsible for errors made by the sender when entering recipient information. America's Credit Union is a federally chartered credit union, federally insured by the NCUA up to $250,000 per depositor.