Zelle® Zelle® is a fast and easy way to send money directly between bank accounts in the U.S.Log Into Online Banking
Mobilize your money with Zelle®
- Send: Send money fast in just a few steps.
- Request: Settle up with roommates, friends, and others you trust.
- Split: Easily divide the cost of the check for dinner, coffee, and more.
Frequently Asked Questions More information about Zelle®
What is Zelle®?
Zelle® is a fast and easy way to send money directly between bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes1.
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 contact Cadence Bank's customer service center at (888) 797-7711.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
Is my information secure?
Keeping your money and information safe is a top priority. 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.
I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
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 Cadence Bank 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.
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 neighbor1.
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 number.
Neither Cadence Bank nor Zelle® offers 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.
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).
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into your online banking or mobile app and select "Send Money with Zelle®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply 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"2.
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 Cadence account, typically within minutes.
Someone sent me money with Zelle®, how do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Cadence Bank.
- 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.
What if I want to send money to someone whose bank doesn’t use Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution 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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.
How do I cancel a payment?
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 Cadence for assistance with cancelling the pending payment.
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 you aren't able to get your money back, please contact Cadence Bank's customer service center at (888) 797-7711 so that we can assist you.
Are there any fees to send money using Zelle®?
Cadence does not charge fees to send or receive money with Zelle®, but there is a $36 stop payment fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. Your mobile carrier’s messaging and data rates may apply.
How do I use a Zelle® QR code?
Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number. Find Zelle® in the Cadence Bank app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your phone’s camera will open. To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way!
When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
To receive or request money, locate your own Zelle® QR code by opening the Cadence Bank app and clicking on the Zelle® icon. From here you can view your Zelle® QR code and show it to others when they’re ready to send you money.
More Online Banking services to consider.
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Bill PayConveniently receive, track and pay all your bills online in minutes.
External TransfersEasily transfer funds to and from your accounts at other financial institutions.
Quicken® and Quickbooks®Quicken® Money Management software provides the tools and services to help you stay on top of your finances.
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1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.
2In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.