What is 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 neighbor. 

Since money is sent directly from your bank account to another person’s bank account within minutes², Zelle should not be used to send money to people you don’t know or trust. Neither First Community Bank nor Zelle offer 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.

How do I use Zelle

You can send, request, or receive money with Zelle. To get started, log into the First Community Bank mobile app and select Zelle. Select an email address we have on file. You can also add a U.S. mobile phone number. You'll receive a one-time verification code, enter it in the app then accept the terms and conditions, and you’re finished. 

To send money, simply select someone from your 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 minutes.²

To request money, choose “Request,” select the individual(s) 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.

To split money, choose “Split,” select the individual(s) from whom you’d like to request money, enter the total you need to share or assign specific amounts to each person, include an optional note, review and hit “Request”.³

Who can I send money to with Zelle

You can send money to friends, family and people you know.¹ We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.

Because Zelle is like a replacement for cash and check and money is sent directly from your bank account to another person’s bank account within minutes,² 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.

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.²

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.

Select First Community Bank (be sure to verify our logo before making a selection).

Follow the instructions provided on the page to enroll and receive your payment. Pay special attention to the email address or mobile number where you received the payment notification - you should enroll with Zelle using that email address or mobile number to ensure you receive your money.

Are there any fees to send or receive money using Zelle

First Community Bank does not charge any fees to use Zelle.

How do I get started

It’s easy — Zelle is already available within the First Community Bank mobile app! Download the app and follow a few simple steps to enroll with Zelle today. We recommend you enroll before someone sends you money – this will help you get your first payment faster.

Can I cancel a 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.

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.

How long does it take to receive money with Zelle

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 into your recipient's account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes.²

If your payment is still 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. Be sure to check your spam filters. 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.

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. If so, you will need to contact that bank or credit union's customer support team and ask them to release your email address or U.S. mobile phone number so that you can re-enroll with your First Community Bank account.

I am not receiving Zelle text messages

Make sure your cell phone number is selected for notifications in the FCB mobile app. After accessing Zelle inside the mobile app, click the settings gear, locate “Send Zelle notification to:” and choose the number you'd like to receive Zelle messages. Any changes you make here are for Zelle only. 

If that does not resolve the issue, contact you network provider to make sure they are not blocking SMS Short Code 207-36.

Download our mobile app for Android and Apple and get your money moving. 

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. ¹ Must have a bank account in the U.S. to use Zelle. ² Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. ³ To send payment requests or split payment requests, the email or U.S. mobile number being used must already be enrolled in Zelle.