To get started, log in to German American Bank's online banking or mobile app and navigate to the "Zelle®" tab found under "Move Money" in online banking and the "Pay & Manage" menu in our mobile app
Following the prompts, enter the information requested, accept the terms and conditions, andyou'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, enter 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.1
To request money using Zelle®, 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".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 German American Bank account, typically within minutes.1
FAQs
If you are sending a payment and an error occurred:
There may be an issue with the email address or mobile number they have enrolled with Zelle®. You may verify with the Recipient they have fully enrolled with the email address or mobile number you are trying to send money, and have opted into receive notification.
What is the downside of using Zelle? ›
Zelle sells itself as a secure money transfer app because it doesn't store your personal information. Your details stay secure with your bank and are never visible to Zelle. However, the downside to instant money transfers is that you may not be able to cancel transactions once they are made.
How do I answer a Zelle request? ›
Responding to a Zelle ® Request
On the Pending tab, find a pending request and select Send [amount]. If the Verification screen appears, enter your password and select Submit. Review the payment details and select Send [amount]. When the Reg D disclaimer appears, select Continue.
How do I give someone my Zelle info? ›
To receive money, just share your enrolled email address or mobile number with a friend or person you trust and ask them to send you money with Zelle®.
Is there an issue with Zelle today? ›
The Zelle app and network are up and running. We would be happy to look into any issues you are experiencing.
Why is Zelle blocking my transaction? ›
Zelle® also may request additional information about you from time to time. Zelle® may cancel or suspend your enrollment or block a transaction if you do not provide this information, if Zelle® cannot verify your identity with the information you provide, or if Zelle® has concerns about fraud or security.
Which is safer, Venmo or Zelle? ›
Both of the payment services are decently safe, have user-friendly interfaces, and allow you to conveniently send money when you need it. Zelle stands out from Venmo with its absence of instant transfer fees, but it also cannot be used as a wallet. So, if you need a wallet function, you should go for Venmo .
When should you not use Zelle? ›
The company's website emphasizes that the service should only be used to transfer money between friends, family, and people you trust. This means that if you use Zelle for a transaction with someone you don't know well, you may not have recourse if something goes wrong.
What is the Zelle limit per day? ›
The Bottom Line: Zelle Transaction Limits
Many top banks offer Zelle, allowing users to send funds to trusted family members and friends. Sending limits usually range from $500 to $5,000 per day and $10,000 to $20,000 per month, though some banks may allow you to increase your limits.
Why would a Zelle payment fail? ›
Your payment may fail and/or your scheduled payments may be canceled for these reasons: The payment account is closed, doesn't have available funds or is ineligible to use Zelle. The recipient's account number, email address or mobile number is invalid. The recipient has been deleted.
There are a few potential reasons for this. Sometimes Zelle payments may take longer if the recipient hasn't registered with Zelle yet, or if there's any mistake in the recipient's details. Another possibility is that the payment is still processing on either end.
What happens if you Zelle someone who doesn't have Zelle? ›
What if the person I'm sending money to hasn't enrolled with Zelle®? If the person you're sending money to hasn't enrolled yet, they'll receive an email or text notification letting them know you've sent them money. They'll be guided through a few simple steps to get enrolled.
Is it okay to give out Zelle info? ›
No sensitive account details are shared when you send and receive money with Zelle® – only an email address or U.S. mobile number tied to a bank account in the U.S. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle® with people you trust, and always ...
What banks do not use Zelle? ›
Some notable financial institutions that NerdWallet has reviewed and that don't participate directly in the Zelle network include Alliant Credit Union, American Express, Barclays, Connexus Credit Union, LendingClub Bank, Marcus by Goldman Sachs, Pentagon Federal Credit Union, SoFi and Synchrony Bank.
Can someone reverse a Zelle payment? ›
No, Zelle® payments cannot be reversed. With Zelle® money moves into an enrolled recipient's account within minutes and cannot be reversed.
What happens if money is transferred but not received? ›
If the bank initiated the transfer, notify the bank immediately so that it can investigate your claim. If you first contact the bank by phone, it is a good practice to follow up in writing. If you wired the funds through a third party (e.g., Western Union), contact that party to find out what their procedures are.
Why does my Zelle payment require additional review? ›
If you have a pending review on Zelle, it means that your transaction is being reviewed for potential fraud or suspicious activity by the system. While this can be frustrating, it's important to remember that Zelle takes security very seriously and wants to ensure all transactions are safe.
What is the limit on Zelle transfers? ›
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.
Does Zelle not work at night? ›
No cut-off time. 24/7 365 days a year.
