Zelle® for Your Business

Zelle® is a fast, safe, and easy way for small businesses to send, receive and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your Christian Financial Credit Union bank account with just your email address or U.S. mobile number.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log in to online banking or our mobile banking app and navigate to “Send Money with Zelle®.” To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you’re ready to start sending and receiving with Zelle®.

To send money with Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile 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.¹

To receive money using Zelle^® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle^® tag, confirm the recipient is correct and tap “Request.”

There are a few ways you can encourage your customers to pay you with Zelle^®.

• Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle^®” or “Pay me with Zelle^®.”
• Use Zelle^® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).

Neither Christian Financial Credit Union nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Yes, at Christian Financial Credit Union there are fees to use Zelle® with a small business account. Please review the fee details for more information.

Your mobile carrier’s messaging and data rates may apply.

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Christian Financial Credit Union’s online banking or mobile app. In the main menu, select “Transfer and Pay”. Then “Send money with Zelle®”. If you don’t see Zelle®, please call our Member Solutions Center at 586.772.6330.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

No, Zelle^® payments cannot be reversed. You can only cancel a payment if the small 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 This Payment.” If you do not see this option available, please contact our Member Solutions Center at 586.772.6330 for assistance with canceling the pending payment.

If you send money to a small business or consumer that 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 know and 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 Member Solutions Center at 586.772.6330 to determine what options are available.

Zelle® QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle® QR code, log into the ChristianFCU Banking app. Tap on “Transfer and Pay”. Then “Send money with Zelle®.” Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.

To send money, log into ChristianFCU Banking App. “Send Money with Zelle®” Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Please contact Member Solutions Center at 586.772.6330. Qualifying imposter scams may be eligible for reimbursement.

Keeping your money and information secure is a top priority for Christian Financial Credit Union. When you use Zelle^® within our online banking or mobile app, your information is protected with the same technology we use to keep your Christian Financial Credit Union account safe.