Zelle®

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.¹ With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.¹

You can send money to friends, family and others you trust.¹
Since money is sent directly from your bank account to another person’s bank account within minutes,³ 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.

To get started, log in to Arkansas Federal Credit Union’s online banking or mobile app and navigate to the Zelle® widget. To enroll, accept 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 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.”³
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®.

Neither Arkansas Federal 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.

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 customer support team at 1-800-456-3000 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 customer support team at 1-800-456-3000 to determine what options are available.

Please contact our customer support team at 1-800-456-3000. Qualifying imposter scams may be eligible for reimbursement.

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

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

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Arkansas Federal’s online banking or mobile app. Then, navigate to Zelle® under the “Transfer & Pay” menu. Accept the terms and conditions, verify your identity with a one-time verification code, and you’re ready to start sending and receiving money 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® with a small business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct, and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Arkansas Federal’s online banking or mobile app. Then, navigate to Zelle® under the “Transfer & Pay” menu. If you don’t see Zelle®, please call our customer support team at 1-800-456-3000.

No, Arkansas Federal does not charge any fees to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply.