Visions Federal Credit UnionZelle®

Send and Receive Money with Zelle®

Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, regardless of where they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

Fast

Send money directly from your account to theirs — typically in minutes1.

Safe

Use Zelle® within the app you already trust. No account numbers are shared.

Easy

Send money using just an email address or U.S. mobile number.

Zelle® Safety

Pay it Safe

Whether you’re using Zelle® directly through your banking app or the Zelle® app, it's important that you know and trust those you send money to. Click the link for more tips to help protect yourself and prevent fraud:

What is Zelle®?

Download the Visions FCU Mobile app

Download on the App Store

Get it on Google Play

Enroll today and send money to friends and family:

  1. Log into the Visions FCU Mobile app.
  2. Select "Send Money with Zelle®".
  3. Enroll your U.S. mobile number or email address.
  4. You’re ready to start sending and receiving money with Zelle®.

Zelle® Frequently Asked Questions

Zelle FAQ

  • What is the daily transfer limit for the Send Money with Zelle feature?

    The daily transfer limit allowed to be sent via the Zelle®feature is $500 per day.

    Transfers exceeding $500.00 can be made through our free Online Bill Pay service.

    There is no daily limit when using Member-To-Member transfers.

     

    Additional limits for sending money with Zelle®

    Limits are set to protect you from fraudulent activity. Visions has established the following sending limits at the following frequencies:

    • Dollar limit per transaction: $500.00
    • Dollar limit per processing day: $500.00
    • Dollar limit per processing week: $2,500.00
    • Dollar limit per processing month: $10,000.00

    Payments made simple with Online Bill Pay

    Our Bill Pay feature lets you set up both one-time and recurring payments, letting you manage your money on a schedule that works for you. You can expedite payments, personalize and send gift checks, and even send money to friends and family.

    Visit our Bill Pay page for more information or enroll through Digital Banking.

  • How long does it take to receive money with Zelle®?

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

    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 minutes.

    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 give the Visions Federal Credit Union support team a call toll-free at 800.242.2120 or visit a local branch.

  • 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 be sent directly into your Visions Federal Credit Union account, typically within minutes1.

    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 Visions Federal Credit Union.
    Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.

  • Will the person I send money to be notified?

    Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.

  • What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

    You can find a full list of participating banks and credit unions live with Zelle® here.

    If your recipient’s bank or credit union 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.

  • Are there any limits for sending and receiving money with Zelle®?

    The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine send limits for Visions, call our Contact Center at 800.242.2120.

    There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

  • Can 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 800.242.2120 for assistance with canceling 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, please immediately call our customer support team at 800.242.2120 so we can help you.

  • 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 Zelle® available for Visions Business Accounts?

    Zelle® is not available for Business Accounts at this time. You can use Zelle® to send and receive money from your personal savings and checking accounts.

  • Can I pay a small business with Zelle®?

    Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Visions Federal Credit Union mobile app using just their email address or U.S. mobile number.

    Neither Visions Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

  • What types of payments can I make with Zelle®?

    Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.

    Since money is sent directly from your Visions Federal Credit Union account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

    Neither Visions Federal Credit Union 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.

  • 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®.

    These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Visions Federal Credit Union 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®?

    You can send money to friends, family and others you trust even if they have a different bank or credit union1.

    Since money is sent directly from your Visions Federal Credit Union 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 phone number.

  • Is my information secure?

    Keeping your money and information safe is a top priority for Visions Federal Credit Union. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Visions Federal Credit Union account safe.

  • How does Zelle® work?

    When you enroll with Zelle® through your Visions Federal Credit Union app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Visions Federal Credit Union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Visions Federal Credit Union of the incoming payment. Visions Federal Credit Union then directs the payment into your Visions Federal Credit Union account, all while keeping your sensitive account details private.

  • 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 support team and ask them to move your email address or U.S. mobile phone number to Visions Federal Credit Union so you can use it for Zelle®.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Visions Federal Credit Union account so you can start sending and receiving money with Zelle® through the Visions Federal Credit Union mobile app. Please call Visions Federal Credit Union customer support toll-free at 800.242.2120 for help.

  • How do I get started with Zelle®?

    It’s easy — Zelle® is already available within the Visions Federal Credit Union mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.

  • How do I use Zelle®?

    You can send, request, or receive money with Zelle®. To get started, log into Visions Federal Credit Union's mobile app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving 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, 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. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

    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 Visions Federal Credit Union account, typically within minutes1.

  • What is Zelle®?

    Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account 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.

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

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

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

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