Start sending money with Zelle®

What is Zelle^®?

Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you¹. All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes¹. No account numbers are shared.

How do I use Zelle^®?

You can send, request, or receive money with Zelle®. To get started, log into online banking or mobile banking, select Transfers & Payments, and follow the few steps to enroll today.

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 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 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, include an optional note, review and hit “Request”. 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 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 Kearny Bank 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 Kearny Bank.

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.

How do I use a Zelle^® QR code?

Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number. Find Zelle® in the Kearny Bank app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your phone’s camera will open. To send money using a Zelle® QR code, 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.

You can also locate your Zelle® QR code by opening the Kearny Bank app, navigating to “Send Money with Zelle®” and clicking your Zelle® settings. From here you can see your Zelle® QR code in the “My Code” tab.

Is my information secure?

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

Will Kearny Bank call me about my account and ask for my online banking login password?

Kearny Bank will never contact you asking for your credentials for online banking. Unfortunately, scammers do sometimes contact clients looking for banking information, including online banking credentials. They will then use this information to commit fraud, often using Zelle® to send money out of your account. If you receive a similar call or text, do not respond. If you are not sure if a call is legitimate or if your information is inadvertently released, please contact Kearny Bank at 800.273.3406.

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 neighbor¹.

Since money is sent directly from your Kearny Bank account to another person’s bank account within minutes¹, 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).

Neither Kearny Bank nor Zelle® offers purchase protection 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.

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 the Kearny Bank mobile app or online banking using just their email address or U.S. mobile number.

Neither Kearny Bank nor Zelle® offers protection for 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.

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.

Can I cancel a payment?

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 client support team at 800.273.3406 and select option 4, then option 3 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, please immediately call our client support team at 800.273.3406 and select option 4, then option 3 so we can help you.

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

No, Kearny Bank does not charge any fees to use Zelle® in the Kearny Bank’s mobile or online banking.

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

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 Kearny Bank send limits, call our client service at 800.273.3406 opt 4. Opt 3.

At Kearny Bank, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

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 or 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.

¹ U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.