Send & Receive Money With Zelle-logo-no-tagline-white

Zelle® is a fast, safe and easy way to send money to people you trust, regardless of where they bank1 using your Seacoast Bank Online Banking account or Seacoast Mobile Banking App.


How it Works:

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Fast & Safe

Send & receive money in minutes1 online or in-app. No account numbers are shared.

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Easy

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

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Free

Seacoast Bank does not charge a fee to use Zelle® in our mobile app2 or online banking.

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Useful

Pay your rent, split expenses, contribute to a group gift, pay your babysitter and more.

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Enroll Today

  1. Log in to Seacoast Bank Online Banking or the Seacoast Mobile Banking App
  2. Select “Send Money with Zelle®”
  3. Enroll your U.S. mobile number or email address
  4. You’re ready to start sending and receiving money with Zelle®

Send Money

  1. Log in to Seacoast Bank Online Banking or the Seacoast Mobile Banking App
  2. Select “Send Money with Zelle®” and select "Send Money"
  3. Select a new trusted recipient from your list or add a new recipient. Then choose a "From Account", and enter the amount.
  4. Select "Review" and confirm that the email address or U.S. mobile number and name are correct.
  5. Select "Send"
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Receive Money

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.

 

Zell Frequently Asked Questions

 

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account 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.

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into Seacoast Bank Online Banking or Seacoast Mobile Banking app and select “Money Movement” and then select “Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.

How do I send money 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 phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.

How do I request money using 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 to request, 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 phone number.

How do I receive money using Zelle®?

To receive money, just share your enrolled email address or U.S. mobile phone 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 minutes1.

How do I get started?

It’s easy — Zelle® is already available within Seacoast Bank Online Banking and Seacoast Mobile Banking app! To enroll with Zelle®, log in to your online banking account or the Seacoast Mobile Banking App. Select “Money Movement” and then select “Zelle®”. Then select, “Get Started,” and you will be prompted to choose an email address or U.S. mobile phone number to be associated with your Zelle® profile. Then, choose the Seacoast account you would like to use to send and receive money. Lastly, verify the U.S. mobile phone number or email address you have selected, and you’re all set.

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.

If you would like to move your email address or U.S. mobile phone 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 phone number, it will be connected to your bank account at Seacoast Bank and you can start sending and receiving money with Zelle® right away.

How does Zelle® work?

When you enroll with Zelle® through your Seacoast Bank Online Banking account or the Seacoast Mobile Banking app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Seacoast Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Seacoast Bank of the incoming payment. Seacoast Bank then directs the payment into your Seacoast Bank account, all while keeping your sensitive account details private.

Is my information secure?

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

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust even if they have a different bank or credit union.1

Since money is sent directly from your Seacoast Bank account to another person’s bank account within minutes1, 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 phone number.

Can I use Zelle® internationally?

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

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

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 Seacoast Bank 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.

What types of payments can I make with Zelle®?

Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.

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.

Neither Seacoast Bank 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.

Can I pay a small business with Zelle®?

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 Seacoast Bank Online Bank account or the Seacoast Mobile Banking app using just their email address or U.S. mobile number.

Neither Seacoast Bank 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.

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 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 866.710.5778 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 866.710.5778 so we can help you.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

You can find a full list of participating banks and credit unions 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.

Will the person I send money to be notified?

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.

Someone sent me money with Zelle®, how do I receive it?

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 minutes1.

If 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 Seacoast 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 phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.

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 sent directly to 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.

Are there limits on the amount of money I can send and receive using Zelle®?

There are no limits on the amount of money you can receive.
For your protection, we have standard limits on the amount of money you can send. Using your Seacoast Bank Online Bank account or the Seacoast Mobile Banking app you can send up to $1,000 in a single transaction and up to $1,000 per day.

 

Still having trouble? Contact Seacoast Bank Customer Service at 866.710.5778 or get in touch through our support page.


1. U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

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.