Zelle

Zelle®: A safe and easy way to send money fast
  • Save time by accessing all of your bills and payees with one single login and password
  • Fast electronic bill payments
  • Save time by accessing all of your payees in one place
  • Use Online Banking or our Mobile App
  • Schedule payments for timely arrival
  • Only one username and password needed to pay all of your bills

Send and Receive Money with Zelle®

Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

Fast, Safe, Easy and Secure

FAST

Send money directly from your account to theirs — typically in minutes1.

SAFE

Use Zelle® within the app you already trust. No account numbers are shared.

EASY

Send money using just an email address or U.S. mobile number.

Enroll today and send money to friends and family:

  1. Log into the app.
  2. In the main menu, select Move Money, then Send Money with Zelle®.
  3. Enroll your email address or U.S. mobile number.
  4. You’re ready to start sending and receiving money with Zelle®.

Enroll Today

How to Use Zelle® to Safely Send Money

Only send money to people you know and trust

Money moves fast with Zelle®. Directly from bank account to bank account within minutes*. So, it's important you know and trust the people you're sending money to.

You can't cancel a payment once it's been sent if the recipient is already enrolled with Zelle®, so it's important to get it right the first time.

Beware of payment scams

If you send money to someone you don't know for a product or service you might not receive (like paying for something in advance), you may not get your money back.

Treat Zelle® like cash

Money moves fast – directly into the enrolled recipient's bank account. Make sure you're sending to the right person by confirming the first name displayed is that of your recipient.

Zelle® FAQs

Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile number to Andrews Federal Credit Union so you can use it for Zelle®.

Once customer support moves your email address or U.S. mobile number, it will be connected to your Andrews Federal Credit Union account so you can start sending and receiving money with Zelle® through the Andrews Federal Credit Union mobile app. Please call Andrews Federal Credit Union customer support toll-free at for help.

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.

No, Andrews Federal Credit Union does not charge any fees to use Zelle® in the Andrews Federal Credit Union app.

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

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, please immediately call our customer support team at so we can help you.

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 Andrews Federal Credit Union mobile app using just their email address or U.S. mobile number.

Neither Andrews Federal Credit Union 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.

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

You can send, request, or receive money with Zelle®. To get started, log into Andrews Federal Credit Union's mobile app. In the main menu, select “Send money 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 Andrews Federal Credit Union 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 Andrews Federal Credit Union.
  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.

Keeping your money and information safe is a top priority for Andrews Federal Credit Union. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Andrews Federal Credit Union account 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 Andrews Federal Credit Union 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 Andrews Federal 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.

Inflation Buster 7-Month Share Certificate

Now extended through December 14, 2022!

Prices are going up on everything from gas to groceries. We're increasing savings rates to give our members a tool to fight those rising costs.