Online & Mobile Banking Assistance

Bill Pay

To make a bill payment, you can either choose a common payee from the Add a Payee section in Online Banking or enter the payee manually in the field labeled "Enter person or business." Key in your account number as it appears on your bill. If you are paying a private party, enter the address where you want us to mail the payment. Then select "Add payee." You can choose to set up a one-time payment or adjust it to a recurring payment for the date and frequency of your choice. To set up a recurring payment, simply select on the options tab associated with the specific payee, and you can find “Automatic payments” on the left hand side.
You are limited to a maximum of $10,000 per transaction, and $20,000 daily through Bill Pay.
Our system begins processing Bill Pay items 2-5 days before the date that payments are scheduled to be delivered. Payees who can receive electronic payments have shorter lead times than those who only accept paper checks that are sent by mail. You can see how your payment will be sent by looking for the icon next to each payee. If you see a square shaped icon with a lightning bolt, that indicates the payee will receive their payment electronically. A rectangular check icon indicates the payee only receives payments via mail. Bonus tip: Consider giving yourself a bit a leeway on timing with mailed payments, since delivery times from the postal service can vary.
You can either choose from a list of common payees from the Add a Payee section or enter the payee yourself in the field labeled Enter Person or Business. Key in your account number as it appears on your bill, and if you are paying a private party, enter the address where you want us to mail the payment. Then click Add Payee.
If you want to correct a Bill Pay entry, you'll need to cancel the existing payment and create a new Bill Pay reflecting the changes you need. Items that are marked as pending or complete cannot be canceled. To cancel a Bill Pay item, click the "X" next to the item, then confirm the cancellation when prompted. Note, if the Bill Pay is pending, you can place a stop payment on that item by calling 866.873.4968. A stop payment fee of $28.00 will be assessed.
You can delete a bill payment company by selecting the Options link under the bill payment company, selecting "Delete it" under "Not paying this anymore?” and finally selecting "Yes Delete."
If some of your payee information has changed, or you would like to update your payee nickname, you can edit it from within the Account Information tab in the Options window. The steps are as follows:
  • Locate the payee that needs to be updated in your list and select on its corresponding Options button.
  • Select the Account Information tab from the navigation on the left hand side of the Options window.
  • Update the information in the Account Number, Category, Nickname, and Phone fields as needed. If we don’t already have a payment relationship with the payee, you will be able to update the Address fields as well.
Note, if the Address fields are not editable, don’t worry; that just means we have a payment relationship with that payee and get payment delivery instructions directly from them.

Card Management

If you decide that you no longer want the card, you can cancel it permanently in Card Management. Please remember, though, that this feature closes the card permanently. If your card has been lost, stolen, or used fraudulently, please use the Report Lost/Stolen Card option instead. If you have already cancelled your card and would like to request a new card, please give us a call at 866.873.4968.
Your card comes with upper limits on daily ATM withdrawals and daily spending. In Card Management you can adjust those limits if, for example, you’re trying to keep to a specific daily budget. On debit cards, you can adjust the ATM withdrawal limit and daily card spending limit. On credit cards, you can adjust the daily card spending limit – remember, that limit does not reflect your available credit. These limits will stay in place until you come back and adjust them. Want to raise your current limits? Give us a call at 866.873.4968.
If your card is damaged, it may not work properly so you should request a replacement which will arrive within 7-10 business days. Your card number will remain the same, but there will be a new expiration date. Remember, your current card will remain active until you activate your replacement card. You should also replace your card if it’s been lost or stolen. If that happens, you can easily prevent fraudulent use by using Card Management to report the card as lost or stolen.
Simply go to Card Management and click on the Report Lost/Stolen tab. This will prevent any further fraudulent use of the card. If you see fraudulent charges on the account, please complete a Cardholder Dispute Form - Fraud under Secure Forms in Online Banking. Or just give us a call at 866.873.4968.
Yes. All authorized users on an account have their own card numbers, so they can continue to use their cards even when another card on the account is turned off.
The lock takes effect immediately, and new purchases, cash advances and balance transfers are blocked.
A card stays turned off until the primary cardholder returns to Card Management to turn it back on.
Turning off your card protects your account if you’ve misplaced your card or think it may have been stolen. When you find the card, simply turn it back on in Card Management and you can begin using it right away.
When you turn the card off, it’s immediately locked and new purchases, cash advances and balance transfers are blocked. This way, if the card falls into the wrong hands, fraudulent purchases can be prevented. When you find the card, simply turn it back on in Card Management. If it doesn’t turn up, be sure to use Card Management to report the card as lost or stolen.

Credit Score

Credit Score by SavvyMoney is a comprehensive program that helps USECU members stay on top of their credit, with free, ongoing access to your credit score and credit report through online and mobile banking. You can also set up alerts so you receive an email if there are any big changes, like a delinquency being reported or a new account opened. And, it helps you keep an eye out for identity theft, since you can be alerted to credit inquiries and a change in address or employment being reported.   Mobile and data rates apply when using Mobile Banking.
It’s easy! Simply click on the Credit Score widget you’ll see on your dashboard when you log in to online banking. In the mobile app, Credit Score is in the ‘Financial Wellness’ section under the ‘More” menu.   Mobile and data rates apply when using Mobile Banking.    
Credit Score by SavvyMoney automatically updates your score every 30 days, but you can also can click “Refresh Score” to manually refresh your score every 24 hours.   Mobile and data rates apply when using Mobile Banking.
No. Checking Credit Score by SavvyMoney is what’s called a “soft inquiry” and it won’t affect your credit score. ‘Hard inquiries’ are used by lenders to make decisions about your creditworthiness when applying for loans and those can lower your credit score.
No. Credit Score is another great benefit you receive as a USECU member. It’s free and no credit card information is required to register.   Mobile and data rates apply when using Mobile Banking.
A credit score is a three-digit number that the various credit bureaus use to rank your credit worthiness. It takes into account all of the information in your credit report – things like late payments, for example – compares you to other borrowers, and tries to predict how likely you are to default on a loan. The higher the score, the less of a “risk” the credit bureau thinks you represent to lenders who might want to offer you a loan or credit card. Credit scores may differ from one source to the next because different lenders use different credit scoring models. And your score can go up if, for example, you pay off debt. It can also go down if, for example, you’re using too much of your available credit or don’t pay some of your bills on time.
Your credit report is made up of all the credit-related data a credit bureau has gathered about you from things like mortgage payment records, credit card balances, credit card payments, auto loan payments and credit inquiries. It may also include public records, such as tax liens, that the credit bureau thinks can affect your credit worthiness. Your credit report usually includes a list of companies that have given you credit or loans, the amounts of each loan and credit limits for each credit card, as well as how often you paid your credit or loans on time. It may also include companies that have asked to see your credit report recently, along with your current and past addresses and/or employers.
SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses a credit scoring model developed collaboratively by the three major credit bureaus (Equifax®, Experian®, and TransUnion) which is intended to provide a more uniform picture of your credit health.

Equifax is a registered trademark of Equifax Inc. Experian is a registered trademark of Experian Information Solutions, Inc.
Over 200 factors may be taken into account when different scoring models calculate your credit score and each model may weigh these factors differently, so there are often minor differences between credit scoring models. With our program, credit scores are represented within these credit score ranges, so you get a better idea of where you stand:
  • 781–850 – This score range is generally considered “Excellent”. Users in this range have very healthy credit history, and are usually eligible for lowest rates on loans and most generous offers on credit cards.
  • 661-780 – This score range is generally considered “Good”. These users typically have good credit but may have a few blips or a short credit history. These users may not get the lowest rates on all types of loans.
  • 601-660 – This score range is generally considered “Fair”. Users in this range do not get the lowest rates on loans and opportunities to borrow start becoming limited.
  • 501-600 – This score range is generally considered to be “Unfavorable”. Users in this range are new to credit or have had significant defaults. Users in this range can often get loans, but at rates that are among the highest in the market.
  • Below 500 – This range is generally considered to be “Deficient”. Users in this range are new to credit or have had significant defaults and may find it hard to get credit.
There are lots of ways to improve your credit score, but it’s much more important to focus on improving what’s in your credit report than obsessing over your credit score. Here are some sensible tips to build or maintain a solid credit score:
  • Pay all of your bills on time. How promptly you pay your bills has the strongest influence on your credit score.
  • Apply for credit only when you need it. Don’t open too many accounts too frequently, since opening multiple accounts within a short time span counts against you.
  • Keep your outstanding balances low. A good rule of thumb? Keep balances below 30 percent of the credit limit on any account.
  • Reduce your total debt. It’s not necessarily bad to owe some money, since it helps to establish a record of responsible credit use, but it’s not good to owe too much money. Consider paying down some of your outstanding loans.
  • Build up a credit history. Maintaining a timely payment history for a mix of account types (e.g., credit cards, auto, mortgage) over a longer period can really boost your score.
No, USECU uses its own lending criteria for making loan decisions and has no access to members’ credit scores and information through this program.
SavvyMoney has put in place high level encryption and security policies to keep member data safe and secure, along with a sophisticated system that scans for—and thwarts—online bots, intrusions and attacks. Plus, its policies and processes are reviewed annually by a third-party auditor and have been verified to meet stringent security guidelines.
You can quickly and easily file a dispute with Transunion by clicking on the “Dispute” link at the bottom of your SavvyMoney Credit Report. That link will direct you to Transunion’s website and the dispute would be filed directly with Transunion.

Digital Receipts

Digital Receipts is a great new feature in the USECU mobile app that makes it easy to upload and organize your paper and email receipts. It makes tracking your spending a breeze, because you can search, sort and tag receipts according to categories you create, and export the receipts in various file formats for use in budgeting or money management. You can even set reminders, so you never miss a deadline for product returns and warranty claims.
Digital Receipts is available only in the USECU mobile app. Simply log in to the app, access the “More” menu and then tap “Digital Receipts.”
The quality of the image is key, so it’s a good idea to quickly preview the image before completing the upload. To ensure you get a high quality image of your paper receipt, make sure it’s flattened and placed on a dark surface in a well-lit area. Also make sure you capture the entire receipt in the photo and that the text/print is legible. If certain details are not uploaded correctly, you can easily make edits to the receipt data by swiping left on the receipt from the Receipt List and then tapping the “Edit” button.
Digital Receipts has a solution for long receipts – simply take a photo of the top section in manual mode and then tap the ‘Add Section’ button to add the rest. When you add sections of long receipts, the bottom of the previously captured section is visible, making it easy to remember where the next section should begin. Simply repeat this process as many times as needed and all sections will be stitched together to form a single receipt image.
To have email receipts automatically uploaded to the app, you’ll first need to set up a unique Receipt Email ID (email address) by clicking ‘Create Receipt Email’ from the app landing page. You can then provide this email address when you make in-store or online purchases. If you have a receipt sent to your personal email, simply forward it to your Receipt Email ID to have it automatically uploaded. NOTE: There is no inbox for your Receipt Email ID – it’s just a personal ID used solely for collecting electronic receipts.
Yes! When you tap the Add Receipt button on the landing page (‘+’) you will see the option to select a photo from your phone’s photo gallery – this will appear at the bottom left of your screen on an Apple iPhone or in the top menu bar on an Android device. Apple and iPhone are registered trademarks of Apple Inc. Android is a trademark of Google LLC.
Notes and tags are only visible in ‘Edit’ mode. Click on a receipt then select the ‘Edit’ button from the bottom menu bar to view, add, and edit notes and tags.
No problem! First, make sure you’ve captured the best possible image by flattening the receipt and taking the shot on a dark surface in a well-lit area. If the layout of the receipt or print quality prevent an accurate upload, you can easily edit the total, add a tip, or update the merchant name by clicking the ‘Edit” button from the bottom menu bar when viewing the receipt.
Receipts can be exported from the app to an Excel file, CSV file, or PDF document, which can then be shared as an attachment via email or text message. From your Receipt List, swipe left on the receipt you’d like to export, select “Export” and choose the file type, and then select ‘View Recent’ exports on the popup window. Then select the file you’d like to share and the method you’d like to use to send it.
That’s a glitch in the app, but we’re hard at work getting it fixed -- stay tuned! In the meantime, you can still view the enhanced receipt on your Android device and view/edit the extracted data from the original image.

External Transfers

With External Account Transfers, you can move money between accounts at different financial institutions owned by the same person. This service is sometimes referred to as A2A (account to account) or M2M (me to me). Checking, Savings, and Money Market accounts are eligible for External Account Transfers from USECU. External Brokerage accounts are available for transfers as well. A few other points to be aware of:
  • You can make a one-time future-dated or recurring transfer to a personal checking or savings account at most financial institutions in the United States.
  • Generally, transfers are credited to the other institution within one to two business days.
  • There is a $6,000 per day limit on the transfer amount.
  • You will need the Routing Transit Number and the account number at the financial institution receiving the ACH credit.

Mobile Banking

Our Mobile App offers most of the features of Online Banking, plus you can deposit paper checks with the convenient Mobile Deposit feature:
  • Check balances
  • View transactions
  • View check images
  • Make transfers
  • Pay bills
  • Make deposits
With our Mobile Deposit feature, you can quickly and conveniently deposit paper checks using your smartphone or tablet. You’re going to love it! Simply log into the app, select Check Deposit and follow the on-screen prompts. You’ll take a picture of the front of your check and another of your endorsement on the back. To finalize the deposit, you’ll verify the amount of the deposit. That’s all there is to it! We recommend that you retain the paper check for 30 days or until it has cleared the issuer's financial institution.
The deposit limit for Mobile Deposit is $5,000 per check with a maximum of $5,000 per day.
Endorse your check for Mobile Deposit as: "For USECU Mobile Deposit Only." Make sure to include your signature. We recommend that you retain the paper check for 30 days until it has cleared the issuer's financial institution.
From the Additional Services tab in Online Banking, select Alerts & Notifications. Indicate which alert you would like to deactivate and uncheck the box for Text Alerts, or click Delete for Email Alerts. Want push notifications? Log into your USECU Mobile Banking App and tap More, Settings and Push Notifications.

Mobile Wallet

To use Samsung Pay, get the Samsung Pay app, touch “add,” and take a photo of your Mastercard. Scan your fingerprint or your eye, or select a PIN, to authenticate your purchases in the future. If you’re asked to verify your card, call us at 866.873.4968, and we’ll provide a verification form in Online Banking. Visit our Mobile Wallet page to learn more.
To use Google Pay, download the app from Google Play or check to see if it’s already installed on your phone. Add your USECU Mastercard to the app, and you’re good to go. If you’re asked to verify your card, call us at 866.873.4968, and we’ll provide a verification form in Online Banking. Visit our Mobile Wallet page to learn more.
To get started on your Apple® device, open the Wallet App, tap the blue plus, and follow the prompts to add your USECU Mastercard. If you’re asked to verify your card, call us at 866.873.4968, and we’ll provide a verification form in Online Banking. Visit our Mobile Wallet page to learn more.

Money Management

Money Management is an enhanced digital banking experience that provides easier access to all your accounts in Online and Mobile Banking. Money Management allows you to:
  • Know your finances: See all of your accounts, including those with other financial institutions
  • Track your budget: Bubble charts help you understand the relative health of your budgets instantly
  • Watch your spending: Every transaction is automatically categorized so you can spend smarter
Log in to Online Banking, go to the Manage Money tab and select Money Management. — or if you prefer, log in to our Mobile App, tap More and select Money Management.
All of your deposit, savings and loan accounts with USECU will automatically be pulled into Money Management.

Online Banking

If you are a member of USECU, register here for Online Banking.
To reset your Online Banking password, use the Forgotten Password Feature and follow the prompts.
Current eStatement users have access to all personal tax documents through Online Banking. Log in to Online Banking, select the eDocument tab and you will be able to view all tax forms. Year-to-date tax information may also be found in Online Banking from the My Account tab by selecting the account name and clicking the Account Details link.
USECU has teamed up with TurboTax. The My TurboTax link is in Online Banking under the Additional Services tab.
To enroll in eStatements, log in to Online Banking and follow these steps:
  • Select on the eDocuments tab
  • Select on Enroll/Un-enroll
  • Check off the box marked Electronic
  • Select Submit
To change back to paper statements:
  • Select My Settings
  • Select Enroll/Un-Enroll
  • Select Paper
  • Select Submit
We make it easy to download transactions to your own computer. Click on your account, then Export in the top right of your screen. Choose the file type and click Export. You can also automatically import your account information into Quicken by using that software's Direct Connect feature. If you don't know your USECU username and password to link your Online Banking via Quicken, call us at 866.873.4968.
You can find Secure Forms by logging into Online Banking from our USE Credit Union homepage and navigating to the Secure Forms drop-down menu.
To view the cross member account, click on the Move Money tab, select Transfer, then select Make a Transfer. You will see the other member's account listed as an option in the To Account field.

Voice Banking with Alexa

Voice Banking with Alexa makes it easy for you to quickly check your account balances and recent transactions for your USE Credit Union accounts using your Amazon® Echo® or other Alexa powered devices. Simply download the USE Credit Union skill in the Amazon Alexa app and link it to your USECU Online Banking account, and you’re ready to go! Amazon, Echo and Alexa are trademarks of Amazon.com, Inc. or its affiliates.
It’s easy! You’ll need to be enrolled with USECU Online Banking, as well as have the Amazon® Alexa® app on your Apple® or Android® device, and an Alexa powered device. Then follow these steps:
  • Open the Amazon Alexa app
  • Select ‘Skills & Games’ from the app’s navigation menu
  • Tap the search icon and search for ‘USECU’
  • Once directed to the USE Credit Union skill page, click the ‘Enable to Use’ button
  • Enter your USECU Online Banking login credentials and agree to the Terms and Conditions
  • Complete Multi-Factor Authentication by entering a one-time passcode that will be delivered to you via a phone number or email address you have on file for your Online Banking account.
  • Enter a four-digit security passcode that Alexa will use to authenticate each of your Voice Banking sessions.
  • Click the ‘Continue’ button and you’ll see the screen confirming that your USECU Online Banking account has been successfully linked.
Amazon and Alexa are trademarks of Amazon.com, Inc. or its affiliates. Apple is a registered trademark of Apple Inc. Android is a trademark of Google Inc.
Alexa can provide you with account balances and transaction history for your USECU deposit accounts. You cannot perform transactions such as transfers or bill payments through Voice Banking. Alexa is a trademark of Amazon.com, Inc. or its affiliates.
There are two phrases you can use to activate the USE Credit Union skill:
  • “Alexa, open USE Credit Union”
OR
  • “Alexa, ask USE Credit Union for my [balance/transactions] from my [checking/savings account].”
As a security measure, Alexa will then ask you to provide your four-digit passcode before providing any information. After your session is authenticated, you can begin asking Alexa for account balance and transaction details for each of your deposit accounts. Alexa is a trademark of Amazon.com, Inc. or its affiliates.
You can request the balance for a specific account by providing the account name or nickname or the account type and last few digits of the account number. For example:
  • "Alexa, what is the balance of my checking account ending in 300?”
  • "Alexa, tell me the balance of my checking account ending in 300.”
  • “Alexa, what is the balance of [Account Nickname]"?
    • Alexa will then respond with the corresponding account balance.
If you ask a more generic question, such as “Alexa, what are my balances?” Alexa will guide you through a narrowing down exercise, asking follow up questions to provide you with the information you want. Alexa is a trademark of Amazon.com, Inc. or its affiliates.
Getting recent transaction information works essentially the same as requesting account balances, in that you must specify an account by stating the account name or nickname or the account type and last few digits of the account number. For example:
  • "Alexa, what are the recent transactions on my checking account ending in 300?”
  • "Alexa, tell me the recent transactions on my checking account ending in 300.”
  • “Alexa, what are the recent transactions of [Account Nickname]"?
    • Alexa will provide the three most recent transactions for the requested account and will ask if you want to hear more.
If you ask a more generic question, such as “Alexa, what are my recent transactions?” Alexa will guide you through a narrowing down exercise, asking follow up questions to provide you with the information you want.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
Yes. For security and privacy purposes, your four-digit passcode is required to authenticate every Voice Banking session. This prevents anyone near your Alexa® device from being able to access your account information. Keep in mind that if another person is nearby when you are using this skill they may be able to overhear you interacting with Alexa and learn information about your accounts.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
If your passcode isn’t working, you’ll need to set a new one. Simply disable the USE Credit Union skill in the Alexa® app and then re-enable the skill. As part of the re-enabling the skill, you’ll set a new passcode.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
No. We don’t provide your Alexa skill passcode—you choose that passcode yourself. For security purposes, we recommend making your USECU skill passcode different from any other PIN you use, because Alexa will be saying your information out loud. If you want to change the passcode for a linked account, you’ll need to disable the skill and then re-enable it. You’ll set up a new passcode as you go through the setup process again.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
Simply tell Alexa®, ‘Close USE Credit Union’, or even just ‘Goodbye’ works.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
Not yet. A single Amazon account can only be linked to one USECU membership. If two members share an Alexa device, it’s not currently possible for both of their membership logins to be paired.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
Simply access the USE Credit Union skill in the Alexa® app and click the ‘Disable Skill’ button.

Alexa is a trademark of Amazon.com, Inc. or its affiliates.
No, Amazon® does not store your USECU Online Banking login credentials or any other sensitive information. Amazon is a trademark of Amazon.com, Inc. or its affiliates.

Zelle

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.  
You can send money to friends, family and others you trust1. Since money is sent directly from your bank account to another person’s bank account within minutes2, 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 phone number.  
You can send, request, or receive money with Zelle. To get started, log into your mobile banking 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.” In most cases, the money is available to your recipient in minutes1. 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”4. 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 move directly into your bank account, typically within minutes1. 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 your bank or credit union’s name.
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.
 
Zelle is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor2. Since money is sent directly from your bank account to another person’s bank account within minutes1Zelle should only be used to send money to people you trust. Neither USECU, 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.  
It’s easy — Zelle is already available in your mobile banking app! Check your app and follow a few simple steps to enroll with Zelle today.    
You can find a full list of participating banks and credit unions live with Zelle here. If your recipient’s bank or credit union 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.    
When you enroll with Zelle through your banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with your bank or credit union). 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 your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.  
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.  
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 contact our customer support team at for assistance with canceling the pending 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, call our customer support team at team so we can help you.    
Money sent with Zelle is typically available to an enrolled recipient within minutes1. 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 move directly to your recipient’s account, typically within minutes1. 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? Call our customer support team at so we can help you.  
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority. When you use Zelle within your mobile app, your information is protected with the same technology we use to keep your bank account safe.  
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 USECU 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.  
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team at and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account so you can use it for Zelle. Once customer support moves your email address or U.S. mobile phone number, it will be connected to your account at the financial institution you requested so you can start sending and receiving money 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 mobile banking app using just their email address or U.S. mobile number. Neither USECU, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.