Zelle FAQ

Zelle FAQ

• Are there any fees to send money using Zelle®?

  No, Visions does not charge any fees to use Zelle® in the Visions FCU Mobile app.

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

• I believe I’ve been a victim of a scam. Who should I contact?

  If you believe you may be the victim of a scam, please call our Contact Center team at 800.242.2120. Qualifying imposter scams may be eligible for reimbursement.

• Does Visions or Zelle® offer purchase protection for payments made with Zelle®?

  Neither Visions 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.

• 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: $1,500.00
  • Dollar limit per processing month: $6,000.00
     

  Please call our Contact Center at 800.242.2120 for details about our limitations. As a reminder, only send money to people you know and trust.

   

  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. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in 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 our Contact Center a call at 800.242.2120.

• 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 minutes*.

  If someone sent you money with Zelle® and 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 number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

  Once you’re enrolled, future payments will move directly into your Visions account. You won’t need to do anything to accept them, they’ll automatically be available in your account. 

  *To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
   

• 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®?

  As of March  31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

• 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, the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send.

• Can I cancel or reverse a payment?

  No, Zelle® payments cannot be reversed.

  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 call our Contact Center at 800.242.2120 for assistance with canceling the pending payment.

  If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app or online banking, 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 Contact Center at 800.242.2120 to determine what options are available.
   

• 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 FCU Mobile app using just their email address or U.S. mobile number.

  Neither Visions 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.
   

• 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®?

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

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

  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).

  *To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

• 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 or online banking, 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 the Visions FCU Mobile app, then 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 only with Visions). 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 then directs the payment into your Visions 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 Contact Center at 800.242.2120 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®.

  After moving your email address or U.S. mobile phone number, it will be connected to your Visions account so you can start sending and receiving money with Zelle® through the Visions FCU Mobile app.
   

• How do I get started with Zelle®?

  It’s easy — Zelle® is already available within the Visions FCU 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 FCU 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.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is typically available to your recipient in minutes if they are already enrolled with Zelle®.

  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 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 account, typically within minutes.

  If someone sent you money with Zelle® and 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 Visions Federal Credit Union.
  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 to ensure you receive your money. 
      
• What is Zelle®?

  Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private.

  Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Visions.

  To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.