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We have partnered with Zelle® to bring you a fast, safe, and easy way to send and receive money with friends, family, and other people you trust1.

Zelle® is available right from your mobile or online banking account, so you don’t need to download anything new to start sending and receiving money!

Enroll or Log-in

Send money with Zelle®

A fast, safe, and easy way to send money directly between any bank account in the U.S.

Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the cost of the lunch tab, Zelle® is a fast, safe and easy way to send and request money with friends, family and others you trust1.

Money is sent directly to the recipient’s account and is typically available in minutes2, and all you need to send money is the recipient’s email address or U.S. mobile phone number.

How to start using Zelle®

Using Zelle® is fast, safe, easy, and free.

Getting Started

Enroll or sign in to your People First online or mobile banking account and then navigate to the Send Money with Zelle®. After you accept the terms and conditions, enter your email address or U.S. mobile phone number and deposit account to receive a one-time verification code. Next, enter the code in the appropriate box on the enrollment screen. That’s it! You’re ready to start sending and receiving money with Zelle®.

Add a Recipient

To find a new recipient, enter their email address or U.S. mobile number. If the recipient hasn’t enrolled in Zelle®, they’ll receive an email or text letting them know how to enroll to access the money you’ve sent.

Send Money

Choose the trusted recipient and the amount to send. It’s important to make sure the recipient’s information is correct because sending money to the wrong recipient could result in a loss of funds. Tap Send after you’ve verified everything is correct. In most cases, the money is available to your recipient in minutes2. The recipient will receive a notification via email or text message notifying them the money has been sent.

Request Money

Choose Request, select the individual(s) from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”3. If the person you are requesting money from in 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.

Receive Money

Share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. The money will be sent directly into your bank account and will be available typically within minutes2.

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Zelle® FAQs

What types of payments can I make 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 minutes2, Zelle® should only be used to send money to friends, family and others you trust.

Neither People First 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.

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 bank account and will be available typically within minutes2.

If you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.

2. Select People First.

3. 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 where you received the notification to ensure you receive your money.

Can I cancel a payment?

You can cancel a payment if the person you sent money to hasn’t 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 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 call or text member services at 610.797.7440 so we can help you.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

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 or text our member services at 610.797.7440 and ask them to move your email address or U.S. mobile phone number to People First so you can use it for Zelle®.

Once member services moves your email address or U.S. mobile phone number, it will be connected to your People First account so you can start sending and receiving money with Zelle® through the People First mobile banking app and online banking. Please call or text People First’s member services at 610.797.7440 for help.

What if I want to send money to someone whose financial institution doesn’t offer 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?

To use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.

Is my information secure?

Keeping your money and information safe is a top priority for People First. 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 People First 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.

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

Money sent with Zelle® is typically available to an enrolled recipient within minutes2.

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 available in your recipient’s account, typically within minutes2.

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 call or text member services at 610.797.7440.

Disclosures

1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

2Transactions typically occur in minutes when the recipient’s email address of U.S. mobile number is already enrolled with Zelle®.

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.