A Safe and Easy Way to Send Money to Friends and Family

What is Zelle® and how do I enroll?
Zelle® is a fast, secure way to send and receive money between almost any U.S. bank or credit union. Funds typically arrive within minutes if both people are enrolled. To enroll, log into the CU SoCal Mobile Banking app, tap “More” (bottom right corner), tap “Transfer and Pay”, then tap “Send Money with Zelle®,” and follow the setup prompts. Also see the video on this page, “How to Enroll with Zelle®.”

Who can use Zelle® at CU SoCal?
Members must be 18 or older, have a CU SoCal eligible checking account, and be enrolled in our Mobile Banking app with a valid U.S. mobile number or email.

I used the stand-alone Zelle® app before—how do I switch to CU SoCal’s App?
If you used the stand-alone Zelle® App before, you may be prompted to transfer your contact information (email or mobile) to CU SoCal during the registration process.

Can I use Zelle® from my computer?
No. Zelle® is currently available only through the CU SoCal Mobile Banking app.

Do I need a debit card to use Zelle®?
No. Zelle® uses your CU SoCal checking account directly.

Can I use Zelle® with my savings account?
No. A CU SoCal checking account is required.

Can joint account holders use Zelle®?
Yes. Joint owners can enroll separately if they have their own CU SoCal Mobile Banking login. If you’re using shared credentials with the primary Member, Zelle® may not enroll properly under your name.

How do I update my email or mobile number for Zelle®?
Log into the CU SoCal Mobile Banking app, tap “More”, select “Transfer and Pay”, select “Send Money with Zelle®,” tap the Settings gear icon, and update your contact info in Zelle®.

Can I link more than one email or phone number?
Yes. You can link up to two email addresses and two U.S. mobile numbers to your Zelle® profile.

Can I use the same email or number with multiple Zelle® accounts?
No. Each email or number can only be linked to one Zelle® account at a time.

Who can I contact for Zelle® help?
Please contact CU SoCal directly. Do not contact Zelle® Support.

Local: 562.698.8326
Toll free: 866.CU.SoCal (866.287.6225)
Monday-Friday: 9 a.m.-6 p.m.
Saturday: 9 a.m.-1 p.m.

How do I send money with Zelle®?
Log into the CU SoCal Mobile Banking app, tap “More”, select “Transfer and Pay”, select “Send Money with Zelle®,” tap “Send”, select a contact, enter the amount, and tap Send. The money moves directly from your CU SoCal account to the recipient.

How do I request money with Zelle®?
Log into the CU SoCal Mobile Banking app, tap “More”, select “Transfer and Pay”, select “Send Money with Zelle®,” tap “Request”, select a contact, enter the amount, and tap Send. The recipient will receive a notification.

What are the limits for sending money with Zelle®?
Zelle® limits vary based on your CU SoCal account history and Member standing. To view your current limit or request a higher limit, please contact CU SoCal.

Can I increase my Zelle® limit?
Contact CU SoCal to find out if you’re eligible for a higher Zelle® limit. Eligibility is based on factors like account history and Member standing. Most requests are reviewed and processed on the same day.

Can I cancel a Zelle® payment after sending?
You can cancel a payment only if the recipient hasn’t enrolled with Zelle®. Open the CU SoCal Mobile Banking app, tap “Send Money with Zelle®”, go to “Activity,” and select “Cancel.” If a recipient is enrolled in Zelle®, the payment cannot be canceled.

What if I sent money to the wrong person?
First, try to cancel the payment if the recipient isn’t enrolled. If it’s too late, contact the recipient and ask them to return the money. Contact CU SoCal to submit a Dispute Form, but refunds are not guaranteed.

How will I know if someone sent me money?
The money will be deposited directly into your checking account, and you’ll receive a text or email notification.

Can I use Zelle® internationally?
No. Zelle® works only between U.S.-based bank or credit union accounts.

Are there any fees to use Zelle®?
CU SoCal does not charge fees for Zelle®. Standard message and data rates may apply.

Is sending and receiving money with Zelle® secure?
Yes. Zelle® is built into CU SoCal’s Mobile Banking app and uses the same advanced security measures to protect your account and personal information. As always, only send money to people you know and trust.

Can I get a refund if I was scammed?
Zelle®payments are final and not covered by CU SoCal or Zelle®. Only send money to people you trust.

What if I didn’t authorize a Zelle® payment?
Contact CU SoCal immediately.

Why wasn’t I contacted when my Zelle® transaction was blocked?
Zelle® uses automated security reviews to monitor for unusual activity. CU SoCal may not be able to notify you immediately when a transaction is flagged. If you believe a transaction was incorrectly blocked, please contact CU SoCal directly.

Can I use Zelle® with a business account?
No. Zelle® is only available for personal eligible checking accounts at CU SoCal.

Why is it important to use full names when sending money with Zelle®?
Always use the recipient’s full name (first, middle, and last). Incomplete names, nicknames or common names may trigger security reviews or delays.

Why are Zelle® transactions sometimes blocked or delayed?
CU SoCal’s fraud prevention systems may temporarily block or review Zelle® transactions to protect your account. If your access is restricted, please contact CU SoCal.