Zelle®

This is how money moves®

Introducing Zelle – a fast, safe and easy way to send money in minutes.1

Zelle makes it easy to send money to or receive money from your friends and family – no matter where they bank.2 Find Zelle in your Atlantic Union Bank app.


Send money the way it was meant to be sentZelle logo

Fast

Send money directly from your account to theirs – typically in minutes1

Safe

Send or receive money right from your Atlantic Union Bank app or Online Banking

Easy

Send money to almost anyone you know2 using just an email address or U.S. mobile phone number

Find Zelle in your Atlantic Union Bank app

Log in, select “Send money with Zelle®" and then enroll with your U.S. mobile number or email address.

Find Zelle in Atlantic Union Bank Online Banking

Log in to Online Banking, click on "Transfer Money," then select“Send Money with Zelle®" from the drop down menu. Get started by enrolling with your U.S. mobile number or email address.

Send

Select a contact or type in the U.S. mobile number or email address of the person you'd like to send money. Remember to only send money to people you know and trust. Enter the amount you'd like to send and, if you want, add a note. Tap "send" and you're done.

Request

Send your friend a request and a way to pay you back directly with Zelle. Just enter their U.S. mobile number or email address, the amount they owe you, and hit send.3 When they respond, the money will appear in your Atlantic Union Bank account.

Split

Zelle makes it easy to quickly split the bill with a built-in calculator. Just tap the 'split' button, select the people in your group and enter the total amount you want to split. Zelle sends a request to everyone for their share.3

Send money in the moment

Your friend forgot his wallet but not his phone

Don’t worry about covering your friends. Zelle lets you request money and get paid back quickly.

For birthday dinners without the math

Split the bill and get paid fast.1

Your student needs just one more book

When life's unexpected obstacles get in the way, use Zelle to send money fast.

Zelle FAQs

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 minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

Who can I send money to with Zelle?

You can send money to friends, family and others you trust.2 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 know and trust, and always ensure you’ve used the correct email address or U.S. mobile number.

Are there any fees to send money?

Atlantic Union Bank doesn't charge any fees to use Zelle.4

Is it secure?

Keeping your money and information safe is a top priority for Atlantic Union 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.

How do I get started?

It’s easy. Zelle is already available within Atlantic Union Bank’s mobile app and Online Banking. Check out our mobile app or log in to Online Banking and follow a few simple steps:

  • Enter your email address or U.S. mobile phone number
  • Receive a one-time verification code and enter it
  • Accept terms and conditions
  • You’re ready to send and receive payments

How does Zelle work?

When you enroll with Zelle through the Atlantic Union Bank 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 Atlantic Union 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 Atlantic Union Bank of the incoming payment. Atlantic Union Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

How do I 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 phone number
  • Add the amount you’d like to send and an optional note if you'd like
  • Review and hit “Send”

In most cases, the money is available to your recipient in minutes.1 If they're not enrolled with Zelle, your recipient gets an email or text message instructing them to enroll so they may receive the payment.

How do I receive money with Zelle?

If you've already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

If you haven't yet enrolled with Zelle, follow these steps:

  • Click on the link provided in the payment notification you received via email or text message
  • Select "Atlantic Union Bank"
  • Follow the instructions provided on the page to enroll, and receive your payment. You should enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money. Pay attention to the email address or U.S. mobile number where you received the payment notification.

When will my payment arrive?

Money sent with Zelle is typically available to an enrolled recipient within minutes.1 

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 move directly to your recipient’s account, typically within minutes.1

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.

Can I cancel a payment?

If your recipient has not yet enrolled with Zelle, the payment will remain pending and will not be sent. If the recipient does not enroll within 14 days, the payment will expire.

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 unable to receive the money from the recipient, please call Atlantic Union Bank for assistance.

Can I use Zelle internationally?

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

Should I use Zelle to pay someone I don’t know?

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 Atlantic Union Bank nor Zelle offers a protection program for any authorized payments made with Zelle (for example, if you don't 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 our customer care team and ask them to move your email address or U.S. mobile phone number to Atlantic Union Bank so you can use it for Zelle. Once that's done you'll be able to connect to your Atlantic Union Bank account so you can start sending and receiving money with Zelle through the Atlantic Union Bank mobile app and Online Banking.

Enroll with Zelle and get your money moving.

Unlock the full potential of your Atlantic Union Bank mobile app by using Zelle. Enjoy the benefits of a fast, safe and easy way of sending and receiving money in minutes.1

Disclosures:

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

1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2Must have a bank account in the U.S. to use Zelle.

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.

4Mobile carrier fees may apply.