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Enjoy a modern way to pay people.

Zelle® is a fast, safe, and easy way to send money to a family member, friend, colleage, or anyone else you trust. We have partnered with Zelle® to put the power of this modern, flexible, and secure way to send and receive money in your hands, quite literally. Use our Digital Banking app to make a personal payment whenever or wherever you like.

What is Zelle®?

With Zelle®, you can send and receive money with friends, family and many small businesses in minutes¹ even if they have different financial institutions¹.

Image of branded text, "Summit Credit Union together with Zelle"


image of a stopwatchZelle® is a fast, safe and easy way to send money directly between almost any checking 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 bank¹.

Paying people back used to be awkward and time-consuming: writing checks, breaking a $20, choosing between too many options. It was clunky. With Zelle®, we've taken the hassle and delays out of sending and receiving money. It's simple. It's quick. And, your money goes directly from your checking account to theirs; no stops in between.


image of a shieldZelle® is already in the banking apps of over a thousand trusted financial institutions.

It is a safe way to send money to friends, family and others you trust, whether it's a coworker, your grandma on the other side of the country or your landlord.¹ Money is sent using only an email address or U.S. mobile number, so sensitive account information remains safe.

Photo of a seated person, smiling while using a mobile phone in a casual setting


image of a closed hand with thumb-upToday, over 150 million people like you have access to Zelle® directly through their banking app; no additional downloads necessary.

With Zelle®, you can easily pay back a friend for tonight's dinner, split the rent with a roommate, or pitch-in for a coworker's baby shower. With just a few taps on your phone, you can send and receive money with others who have a checking or savings account in the U.S. using just an email address or U.S. mobile number. And, those who don't have Zelle® available through their financial institution can still use it by downloading the Zelle® app and enrolling with an eligible² Visa® or Mastercard® debit card.

Frequently Asked Questions

You can send, request, or receive money with Zelle®. To get started, log into the Digital Banking app and select Zelle® in the main menu. Following the prompts, enter the information requested 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 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 Summit Credit Union account, typically within minutes.

Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. If you would like to move your email address or U.S. mobile number from the financial institution where you initially enrolled with Zelle®, simply click "Transfer" when prompted during the Zelle® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile number, it will be connected to your account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.

Yes. Keeping your money and information safe is a top priority. When you use Zelle® within our Digital Banking app, your information is protected with the same technology we use to keep all of your Summit Credit Union accounts safe.

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 account to one owned by another person 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 Summit 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.

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

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. To check whether the payment is still pending, check your Zelle® 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 Services team by calling or texting 336-662-6200 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, immediately contact our Member Services team by calling or texting 336-662-6200, so we can help you.

If you are not eligible for our My CU Club at the time of the transaction, we charge a nominal fee per transaction to send money using Zelle®. See the My CU Club page for eligibility details and other benefits.

Members may also incur a stop payment fee to cancel a Zelle® transaction that is still pending, waiting on an unenrolled recipient to establish an account with Zelle®. However, if the recipient doesn't enroll with Zelle® within 14 days, the payment will automatically expire, the funds will be returned to your account, and no fees will be assessed.

For details on these fees, see our Fees, Charges, and Limits page. Your mobile carrier's messaging and data rates may also apply.

See a full list of participating credit unions and banks live with Zelle® at ZellePay.com (https://zellepay.com/participating-banks-and-credit-unions).

If your recipient's credit union or bank is not 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 Apple iOS.

¹ U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Check our Fees, Charges, and Limits Disclosure to see if a fee for using Zelle® applies.   ² Eligible Visa® or Mastercard® debit cards must be tied to a personal account at a credit union or bank in the U.S. and may not be credit cards, cards linked to international accounts, gift cards, or pre-paid cards from financial institutions outside of the Zelle Network®.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.