Send and receive money with Zelle®
We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and other people you trust.1
Zelle® is available right from online and mobile banking, so you don't need to download anything new to start sending and receiving money!
Using Zelle® is:
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FastMoney gets sent straight from your account to theirs and is available to spend in minutes.1 |
SecureAll you need is an email address or U.S. mobile number. No account numbers are shared. |
EasyZelle® is available in the BAC Digital Banking app, so there's no need to download another app.1 |
Don't have our mobile app?
Download it for free:
Personal FAQs
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What is Zelle®?
Zelle® is a convenient way to send, receive, and request money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s enrolled email address or U.S. mobile number, and money will be available to use in minutes. Your account information and activity stay private. Zelle® is currently live in more than 2,300 Financial Institutions, so you can send money to friends and family even if they don’t bank at BAC Community Bank.1
How do I use Zelle®?
You can send, request or receive money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to "Send Money with Zelle®". To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will 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 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,” enter the enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct, enter the amount and tap “Request.”
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 BAC Community 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 BAC Community 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.
Is my information secure?
Keeping your money and information secure is a top priority for BAC Community 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 bank account secure.
Who can I send money to with Zelle®?
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 BAC Community Bank account to another person's bank account within minutes,1 Zelle® should only be used to send money to family, friends 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).
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 our mobile app or online banking using just their enrolled email address, U.S. mobile number, or Zelle® tag.
Does BAC Community Bank or Zelle® offer purchase protection?
Neither BAC Community 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.
I believe I have been a victim of a scam. Whom should I contact?
Please contact our customer support team at 1-877-226-5820. Qualifying imposter scams may be eligible for reimbursement.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank accounts or credit union accounts must be based in the U.S.
Can I reverse or cancel a payment?
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 1-877-226-5820 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 1-877-226-5820 to determine what options are available.
Are there any fees to use Zelle® with a personal account at BAC Community Bank?
BAC Community Bank does not charge fees to send or receive money with Zelle® when used with a personal account, but there is a $15 stop payment fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.
Your mobile carrier's messaging and data rates may apply.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine BAC Community Bank send limits, call our customer support team at 1-877-226-5820.
At BAC Community Bank, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
What if I want to send money to someone whose financial institution doesn't offer Zelle®?
As of March 31, 2025, all users must be enrolled through one of the more than 2,300 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 Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
How do I use a Zelle® QR code?
Zelle® QR code provides peace of mind, knowing you can send and receive money to the right person without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log in to our mobile app or online banking and click “Send Money with Zelle®.” Next, go to your “Zelle® settings” and click “Zelle® QR code,” and your QR code will be displayed under “My Code.” From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log in to our mobile app, click “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.
I was asked to send money to a Zelle® tag. How does that work?
Sending to a Zelle® tag is just like sending to a recipient’s email address or U.S. mobile number. Find Zelle® in our mobile app or online banking, click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, 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 contact name that is displayed before sending money.
Why can’t I create a Zelle® tag?
At this time, the creation of a Zelle® tag is limited to eligible small business account holders.
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Personal Tutorials
Small Business FAQs
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What is Zelle®?
Zelle® is a convenient way for small businesses to send, receive and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution's banking app, they can send payments directly to your BAC Community Bank bank account with just your email address or U.S. mobile number.
How do I use Zelle® with a small business account?
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to "Send Money with Zelle®". To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you're ready to start sending and receiving with Zelle®.
Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
How do I send money with Zelle®?
To send money with Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address, U.S. mobile number or Zelle® tag), 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 minutes.1
How do I receive payments with Zelle®?
To receive money using Zelle® with a small business account, share your enrolled email address, U.S. mobile number or Zelle® tag with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
How do I request payments with Zelle®?
To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct, enter the amount and tap “Request.”
How do I know if my small business is eligible to use Zelle®?
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to BAC Community Bank's online banking or mobile app. Click Zelle® from either menu inside the app. If you don't see Zelle®, please call our customer support team at 1-877-226-5820.
Are there any fees to use Zelle® with a small business account at BAC Community Bank?
Yes, BAC Community Bank charges $1.00 for each Zelle® transaction when used with a small business account. There is a $15 stop payment fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn't enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.
Your mobile carrier's messaging and data rates may apply.
Does BAC Community Bank or Zelle® offer purchase protection?
Neither BAC Community 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.
Can I reverse or cancel a payment?
No, Zelle® payments cannot be reversed. You can only cancel a payment if the small business or consumer 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 1-877-226-5820 for assistance with canceling the pending payment.
If you send money to a small business or consumer that 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 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 1-877-226-5820 to determine what options are available.
I believe I have been a victim of a scam. Who should I contact?
Please contact our customer support team at 1-877-226-5820. Qualifying imposter scams may be eligible for reimbursement.
Is my information secure?
Keeping your money and information secure is a top priority for BAC Community 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 bank account secure.
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.
How do I tell my customers that they can pay me with Zelle®?
There are a few ways you can encourage your customers to pay you with Zelle®:
- Tell customers verbally that you accept payments with Zelle® and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®.”
- Use Zelle® to request money from your customers (which will send them a notification telling them you've requested payment with Zelle®).2
If I use Zelle® for my small business, will Zelle® integrate with software?
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine BAC Community Bank send limits, call our customer support team at 1-877-226-5820.
At BAC Community Bank, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
How do I use a Zelle® QR code with my small business account?
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 in to our mobile app or online banking. Click Zelle® from either menu inside the app. 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 in to our mobile app. Click Zelle® from either menu inside the app.. 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.
What is a Zelle® tag and how do I use it?
A Zelle® tag is a unique identifier that you create, much like a username, that allows you to get paid with Zelle® without having to provide your contact information. Your Zelle® tag should be:
- Six to 40 characters.
- May include letters, numbers, and hyphens, but no other special characters or spaces.
- Is not case sensitive.
To start, think of a Zelle® tag that fits with your small business. For example, if your small businesses name is Acme Company, you might select acme-company as your Zelle® tag. Then, from inside Zelle® click “Settings”, click “Create a Zelle® tag” and follow the steps to secure your Zelle® tag. You can now share your custom Zelle® tag and start getting paid without providing your enrolled email address or U.S. mobile number.
You can also send money to an eligible small business, supplier or vendor if they are enrolled with Zelle® through their financial institution’s app. Find Zelle® in our mobile app., click “Send,” and from the “Select Recipient” screen, type the recipient’s Zelle® tag. Then, 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 contact name that is displayed before sending money.
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Small Business Tutorials
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1To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
2Payment requests can only be sent to enrolled Zelle® users.
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Copyright © 2026 Fiserv. All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
