Zelle® Support and FAQs
Zelle gives you a fast, easy and convenient way to send money to and receive money from customers and eligible businesses with just your email address or U.S. mobile phone number. Both parties need an eligible bank account in the U.S. enrolled with Zelle through their financial institution; only one needs an eligible Chase account. Business banking customers aren't able to send/receive payments to/from customers enrolled in the Zelle app.
Businesses that are a good fit for Zelle typically receive payment by cash and check. A few examples of small businesses that may be a good fit include:
- Health and beauty specialists: hairstylists, nail technicians and personal trainers
- Home care providers: landscapers, contractors and pool technicians
- Landlords collecting rent
- Transport and limo services
- Service providers: electricians, plumbers, accountants, consultants and financial planners
Chase does not charge additional fees for Zelle® transactions. To use Zelle®, Chase customers must use an eligible Chase checking account, which may have its own account fees. Consult your account agreement.
Timing for payments you send:
- If you send money to someone who isn't enrolled with Zelle, they'll receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically in moments.
- 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.
Timing for payments you receive:
- If you're waiting to receive money, you should check to see if you've received a payment notification by 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.
The limits on how much money you can send depend on the type of account you're using:
- From Chase business checking accounts, you can send up to $5,000 in a single transaction, up to $5,000 a day and $40,000 in a calendar month.
- Keep in mind: Each financial institution that offers Zelle sets its own limits on the amounts their customers may send to others.
When you use Zelle, your recipients won't see your account number, and you won't see theirs. Make sure you send money to people you know and trust in order to avoid scams and protect your account. We don't protect or cover purchases if you use Zelle to pay for goods or services.
NEITHER Chase 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 isn't as described or as you expected.
Make sure you only send money to people and businesses you know and trust to help avoid scams and protect your account.
You can sync your contacts from your mobile phone or add new trusted recipients using the customer’s email address or U.S. mobile number.
- To split a charge in the app, go to your credit card or checking account activity, swipe left on a charge until the "Split" button appears and choose "Split." This will take you into the Request and Split money flow within Zelle and from there you can choose or add contacts you’d like to split the charge with. If any of the people you're requesting money from aren't already enrolled with Zelle, you must use their email address.
- If you’re not enrolled with Zelle and you have an eligible checking account, splitting a charge will take you to Zelle enrollment.
- If you don’t see the "Split" button when you swipe left, you might have hidden your checking accounts or you may not have an eligible checking account.
Non-Chase consumer and business customers should enroll with Zelle through their financial institution’s mobile app or online banking.
To enroll a 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. We recommend using the email address or U.S. mobile phone number associated with your business.
You won't see accounts for businesses that you haven't explicitly enrolled with Zelle. Go to your Zelle settings to add them.
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 choose "Cancel This Payment." It's important to only send money to people and businesses you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.