Accept payments anytime with Zelle®
Easy for customers. Easy for your business.
As a business owner, you don't have time to waste. Why not spend more of it running your business the way you want, and less time worrying about collecting cash and checks from your customers? Give your customers a convenient way to pay with Zelle®.
No need to wait for a check to clear. Money is sent directly to your U.S. Bank business account – typically within minutes.1
No need to provide your account information receive payments1 with Zelle®.
Using just your business email address or U.S. mobile number, customers can use Zelle® to pay you right from their banking app (no additional hardware required). You can receive payments on the go and skip the trip to the bank.
Are there any fees to use Zelle® with an eligible business account at U.S. Bank ?
No. Sending, receiving and requesting money with Zelle® is free for all U.S. Bank customers.
Can I charge my customers to send me money with Zelle®?
U.S. Bank does not dictate the payment arrangements you have with your customers.
What is Zelle®?
Zelle® is a fast, safe and easy way for eligible businesses to send, request and receive money directly between eligible bank accounts in the U.S.1 if your customers use Zelle® within their mobile banking app, they can send payments directly to your U.S. Bank account using just your email address or U.S. mobile phone number. With Zelle®, money typically arrives within minutes.1
How does Zelle® work?
When you enroll with Zelle® through the U.S. Bank Mobile App or online banking, your name, the name of your bank, and the email address or U.S. mobile number you enrolled are shared with Zelle® (no sensitive account details are shared - those stay with us). 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 us of the incoming payment. We then direct the payment into your bank account, all while keeping your sensitive account details private.
How do I use Zelle® with an eligible business account?
You can send, request or receive money with Zelle®. To get started, log into online banking or the U.S. Bank Mobile App, select Send Money with Zelle®.
Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle®.
I already use Zelle® through my personal bank account. How do I enroll to use Zelle® with my business bank account?
To get started, log into online banking or the U.S. Bank Mobile App using your business banking user ID. To enroll an eligible business 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®. For example, crystal@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your business bank account.
If I use Zelle® for my business, will Zelle® integrate with accounting software?
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions. U.S. Bank customers can download transactions to Quicken.
How do I know if my business is eligible to use Zelle®?
Log in to the U.S. Bank Mobile App using your business banking user ID, select Zelle® from the quick-action menu and choose Update my enrollment. All eligible accounts will be available to select within the enrollment flow. If you do not have any eligible accounts, you will see a message when you try to access Zelle®.
Who should I call if I have questions or need help?
Please call U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657).
Is there a limit on the number of transactions I can send and receive with Zelle® each month?
There are limits to the number of transactions you can send or request with Zelle®, which may vary. However, there are no limits to the number of transactions you can receive.
Does Zelle® or U.S. Bank offer purchase protection?
Neither U.S. 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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Is my information secure?
Keeping your money and information safe is a top priority for U.S. Bank. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your U.S. Bank account safe.
I have a business bank account. Who can I receive money from with Zelle®?
You can receive money from consumers using Zelle® through their bank’s mobile app. You can also receive money from other eligible businesses if their financial institution offers Zelle® to businesses. At this time, you’re not able to receive payments from consumers who are only enrolled in the ® app using a debit card.
How long does it take to receive money with Zelle®?
Once you’re enrolled with Zelle®, money you receive is typically available within minutes.
How do I receive money with Zelle®?
First, you should enroll your email address or U.S. mobile number with Zelle® through the U.S. Bank Mobile App and associate it with your business account. Second, share your enrolled email address or U.S. mobile number with your customers and ask them to send you money with Zelle® right from their banking app.
You don’t need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile number to identify you. After the consumer sends you the money with Zelle®, you will receive your money directly into your enrolled bank account.
You can also request payments directly through the U.S. Bank Mobile App by selecting Zelle®from the quick-action menu, choosing Request money with Zelle®, entering your customer’s email address or U.S. mobile number, confirming the recipient is correct and tapping Request. If your customer is using Zelle® through their bank’s mobile app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app with their debit card (not with a deposit account), they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
How do I tell my customers that they can pay me with Zelle®?
There are a few ways you can encourage your customers to pay you with Zelle®.
How do I use Zelle® to request a payment from my customer?
To request money with Zelle®, select Zelle® from the quick-action menu in the U.S. Bank Mobile App and choose Request. (In online banking, select Send Money with Zelle® and 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
I want to use Zelle® to send and receive money with friends from my personal bank account, as well as to receive payments to my business from my business account. Are there any differences in the experience?
In order to use Zelle® with your business account and your personal account, you must enroll a different email address or U.S. mobile number with each bank account. Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same extensive network to initiate payments to eligible businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don’t need to do anything different to send money to an eligible business – they use the existing Zelle® experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for businesses, as eligible businesses cannot currently send money to or receive payments from consumers who are only enrolled in the Zelle® app using a debit card. To enroll your eligible business account with Zelle®, log in to the U.S. Bank Mobile App with your business banking user ID, select Zelle® from the quick-action menu and choose Update my enrollment. Select your email address or U.S. mobile number, enter a verification code if you receive one, select the account and continue to enroll. You’re ready to start sending and receiving with Zelle®.
When you use Zelle® with a business account, you can send money to other eligible businesses that bank with a financial institution that offers Zelle® to businesses. You can also send to consumers who have access to Zelle® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers who are only enrolled in the Zelle® app using a debit card. If the business or consumer you send money to has already enrolled with Zelle® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. 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.
You can only cancel a payment if the business or consumer 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 Payment.
If you send money to a business or consumer who has already enrolled with Zelle® through their bank’s mobile app, 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, you can file a dispute by calling U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657). However, it's up to the recipient's financial institution to decide whether to refund your money.
Limits do apply and cannot be changed by bankers. You can check your limits in Send Money. In the U.S. Bank Mobile App, you can click “Send limits” found on the Enter Amount page within the Send flow. In online banking, click the 
icon on the Enter Amount page.
