Zelle

The short answer? Anyone you want! The slightly longer answer: Since money is sent directly from your bank account to the other person’s bank account within minutes, it’s important to only send money to people you trust and always make sure you’ve used the correct email address or U.S. mobile number.

How do I use Zelle?

To get started, log in to your online banking account or our eMobile app, navigate to “Bill Pay” and select “Send Money with Zelle.” Accept the terms and conditions, enter your email address or U.S. mobile phone number, 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 the recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review to double-check that you’re sending to the correct email/number, then hit “Send.” In most cases, the money is available to your recipient in minutes.

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.”

To receive money: If you’ve already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your bank account, and will be available typically within minutes. If you haven’t 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 Piscataqua Savings 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.

What if I don’t receive an item I paid for with Zelle?

Since Zelle is most often used with people you know and trust, this rarely happens, but in case it does, neither Piscataqua Savings Bank nor Zelle offers a protection program for any authorized payments made with Zelle. The bottom line: We strongly recommend you just use Zelle with friends, family and other people you trust.

How do I get started?

It’s easy — Zelle is already available within our eMobile app and your online banking account! Access the app or sign in online and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose financial institution doesn’t offer Zelle?

You can find a full list of participating banks and credit unions here. If your recipient’s financial institution 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.

How does Zelle work?

When you enroll with Zelle through your online banking account or our eMobile app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled with is shared with Zelle. (No sensitive account details are shared.) When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies you of the incoming payment, then directs the payment into your bank account.

Can I use Zelle internationally?

Not at this time. In order to use Zelle, the sender and recipient’s bank 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, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This 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. You may, however, cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

What if I send money to the wrong person?

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, please call us at (603) 436-5250, so we can help you.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes. 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 be available in your recipient’s account, typically within minutes. 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? Please contact us at (603) 436-5250.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

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

I’m unsure about using Zelle to pay someone I don’t know. What should I do?

Just like you wouldn’t send cash in the mail to someone you don’t know, we strongly recommend you avoid using Zelle for high-risk transactions, like prepaying for an item through an online auction. Neither Piscataqua Savings Bank nor Zelle offers a protection program for any authorized payments made with Zelle, so it’s safest to stick to friends, family and other people you know and trust!

What if I get an error message when I try to enroll an email address or U.S. mobile number?

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 (603) 436-5250 and ask them to associate your email address or U.S. mobile phone number with your Piscataqua Savings Bank account so you can start sending and receiving money with Zelle.

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