Zelle® is a fast, safe and easy way to send money to people you trust, using your Seacoast Bank Online Banking account or Seacoast Mobile Banking app.
Send money using just
an email address or
U.S. mobile number.
Seacoast Bank does not charge a fee to use Zelle® in our mobile app2 or online banking.
Pay your rent, split expenses, contribute to a group gift, pay your babysitter and more.
Once you've enrolled a U.S. mobile number or email address with Zelle®, you do not need to take any further action.
The money you receive will go directly into the Seacoast Bank account associated with your profile, typically within minutes1.
Whether you're a seasoned Zelle® user or just getting started, implementing extra safety measures can add a layer of protection to your account and provide peace of mind.
The ease of sending money via smartphones has made payment incredibly convenient. However, as digital payment methods become more popular, scammers find new ways to take advantage of unsuspecting users.
The landscape of digital payment scams is expansive and always changing. Here are some common scams to keep on your radar:
Be cautious when dealing with unknown individuals or payment, and always verify the legitimacy of requests before proceeding.
If you encounter suspicious activity or believe you've fallen victim to a scam, report it to your nearest branch and the appropriate authorities.
You can send, request, or receive money with Zelle®. To get started, log into the seacoast bank mobile app or online banking. In the main menu, select "Transfer and Pay". Then "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 U.S. 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 Seacoast Bank account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
Click on the link provided in the payment notification you received via email or text message.
Select Seacoast Bank.
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 secure is a top priority for Seacoast 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 Seacoast Bank 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 neighbor.1
Since money is sent directly from your Seacoast 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).
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 seacoast bank mobile app or online banking using just their email address or U.S. mobile number.
Neither Seacoast Bank nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Please contact our Customer Support team at 800.706.9991. Qualifying imposter scams may be eligible for reimbursement.
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed.
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® through their bank or credit union’s mobile app or online banking, 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 know and 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 to determine what options are available.
No, Seacoast Bank does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Zelle® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the seacoast bank mobile app. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.
To send money, log into the Seacoast Bank mobile app. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, 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.
Still having trouble? Contact Seacoast Bank Customer Service at 800.706.9991 or get in touch through our support page.
1. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
2. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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