Zelle®

Simplify your life with Zelle^®.

Quickly send and receive money from friends, family and others you know and trust.

Whether it's splitting the cost of a big family dinner, collecting rent from a roommate or sending your child's teacher a thank-you gift, Zelle^® uncomplicates everyday transactions.

Best of all, it's free to use for all Bank of Utah personal customers.

With Zelle^®, You Can Enjoy:

Speed

Money typically arrives within minutes¹ between enrolled users.

Ease

Send and receive money with just an email address, U.S. mobile number or QR code.

Security

No sensitive account details are shared when you use Zelle^®.

What's Needed to Use Zelle^®

Before you can use Zelle^® with Bank of Utah, you'll need:

A Bank of Utah Checking Account

Apply for a checking account online or in a branch.

Bank of Utah Online Banking Access

Get started with Zelle^® by enrolling in Online Banking here.

The Bank of Utah Mobile App

Download the Bank of Utah Mobile App here.

Learn How to Use Zelle^®

How to Enroll with Zelle^®

On your desktop computer, navigate to the "Payments" tab and select "Bill Pay/Zelle." In your Mobile App, click on the "Bill Pay/Zelle" icon at the top of the screen, and then choose "Send Money with Zelle.

Accept terms and conditions.

Enter your email address or U.S. mobile phone number to receive a one-time verification code.

Enter the code, as requested, and start sending and receiving money with Zelle.

How to Send Money with Zelle^®

Select a Zelle^® Ready Contact, or add a trusted recipient's email address or U.S. mobile phone number, or scan their Zelle^® QR Code.

Enter the amount you'd like to send. You can include a note if you'd like.

Review, then hit "Send." In most cases, the recipient receives the money in minutes¹.

How to Request Money with Zelle^®

Choose "Request."

Select the individual(s) from whom you'd like to request money, or share your Zelle QR Code^® with them.

Enter the amount you'd like to request. You can include a note if you'd like.

Review, then hit "Request"³.

How to Receive Money with Zelle^®

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes¹.

Please note that new customers will not have access to Zelle^® for the first 60 days.

QR Codes and Ready Contacts Make Zelle® Even More Convenient!

Zelle® QR Codes simplify sending money. No more typing in or searching for recipient details; just a quick scan of the QR code with your phone's camera, and your funds are delivered accurately every time. Plus, you can easily share or print your own Zelle® QR Code.

With Zelle® Ready Contacts, you can quickly identify which of your contacts are already enrolled in Zelle®. By simply checking for a special indicator — a purple ‘Z’ — you can see who is ready to receive money. This saves time and eliminates the hassle of manually entering contact information.

Using Zelle® Safely

To ensure a safe and secure Zelle® experience, follow these guidelines:

Only send money to people you trust. Zelle® is designed for transactions between friends, family, and trusted contacts. Avoid sending money to unknown individuals or businesses.
Treat Zelle® like cash. With Zelle®, money moves directly into the enrolled recipient’s bank account within minutes¹. Once you authorize a payment to be sent, you can’t cancel it if the recipient is already enrolled.
Confirm recipient information. Always double-check the recipient’s email address or mobile number before sending money.
Be wary of scams. Zelle® does not offer purchase protection, so be cautious of deals that seem too good to be true.

Frequently Asked Questions

About Zelle^®

What is Zelle^®²?

Zelle^® is a fast, safe and easy way to send or receive money between almost any bank account in the U.S., typically within minutes¹. You can use an email address, U.S. mobile number, or scan a Zelle^® QR Code to send or receive money from people you trust, regardless of where they bank.

How does Zelle^® work?

When you enroll in Zelle^® through Bank of Utah’s Online Banking or Mobile App (found within Bill Pay), your name, bank and enrolled email address or U.S. mobile number are shared with Zelle^® (not your sensitive account details).

When someone sends money to your enrolled email address or mobile number, or scans your Zelle^® QR Code, Zelle^® identifies your bank and notifies them of the incoming payment. Your bank then deposits the funds into your account, keeping your account details secure.

How long does it take to receive money with Zelle^®?

Money sent with Zelle^® typically arrives in minutes¹ between enrolled users. If you send money to someone who isn't enrolled with Zelle^®, they will receive a notification prompting them to enroll. Once enrolled, the money will be deposited into their account, usually within minutes.¹

To ensure funds are sent to the correct person, scan their Zelle^® QR Code or verify their email address or mobile number. If a payment is pending, double-check the recipient’s Zelle^® enrollment and the accuracy of their information. If you’re expecting money, watch for a payment notification.

For assistance with Zelle^® payments, please contact customer service at 801-409-5000.

What types of payments can I make with Zelle^®²?

Zelle^® is a convenient way to send money to family, friends and trusted contacts like your personal trainer, babysitter or neighbor. Because money is transferred directly between bank accounts in minutes¹, Zelle^® should only be used for sending money to people you know and trust.

Neither Bank of Utah nor Zelle^® offers protection for authorized Zelle^® payments. This means if you send money to someone and don't receive the expected goods or services, you may not be able to recover your funds. It's important to exercise caution when using Zelle® for transactions. Don't use it with individuals you don't know well or for purchases where there's a risk of not receiving the item as described.

Can I use Zelle^® internationally?

In order to use Zelle^®, the sender and recipient's bank accounts must be based in the U.S.

Enrolling in Zelle^®

How do I get started?

It's easy! Zelle^® is already available through Bank of Utah's Online Banking and Mobile App (found within Bill Pay). Check your app or sign in online to enroll in Zelle^®.

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 number might already be linked to Zelle^® at another financial institution. To use it with Bank of Utah, call our customer support team at 801-409-5000 to transfer your information. Once complete, you can send and receive money with Zelle® through our Online Banking or Mobile App.

Using Zelle^®

Who can I send money to with Zelle^®²?

You can send money to friends, family and trusted contacts. Since funds are transferred directly between bank accounts within minutes¹, it's very important to send money only to people you know and trust. Always verify the recipient's email address or U.S. mobile number before sending money, or scan their Zelle^® QR Code to ensure you're sending money to the correct individual.

Will the person I send money to be notified?

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

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

You can find a complete list of banks and credit unions using Zelle® here. If your recipient's financial institution isn't listed, don't worry! The list is constantly expanding. Your recipient can still use Zelle® by downloading the Zelle® app in your app store.

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 do I use a Zelle® QR Code?

Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.

Find Zelle® in Bank of Utah's Online Banking of Mobile App (within Bill Pay), click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen.
Your phone’s camera will open.
To send money using a Zelle® QR code, 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.

How do I find my own Zelle® QR Code?

To locate your own Zelle® QR Code:

Go to Zelle® in Bank of Utah's Online Banking or Mobile App.
Click on the gear icon for your settings on your Bank of Utah Mobile App or click "Settings" in Online Banking. From here you can view your QR code and use the print and share icons to text, email or print your Zelle® QR code.

What does the purple "Z" on my contacts mean?

Knowing your friends, family and those you trust are enrolled with Zelle® is simple because they are marked with a purple “Z”.

Bank of Utah and Zelle Ready Contact Purple Z

Don’t see the purple “Z” on a contact? Not a problem! You can still send them money with Zelle®, and they will receive a notification to enroll.

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

If you're already enrolled with Zelle^®, the money will be deposited directly into your bank account, typically within minutes¹.

If you haven't enrolled in Zelle^® yet, follow these steps:

Click the link in the payment notification you received by email or text.
Select Bank of Utah.
Follow the instructions to enroll and receive your payment. Ensure you enroll with the same email address or U.S. mobile number used for the payment notification.

Can I cancel a payment?

You can only cancel a payment if the recipient hasn't enrolled in Zelle® yet. To check if a payment is still pending, go to your activity page, select the payment and choose "Cancel This Payment." Once the recipient enrolls, the money is transferred directly to their bank account and cannot be canceled. That's why it's crucial to send money only to trusted individuals. It's also important to verify the recipient's correct email address or mobile number, or use their Zelle® QR Code to ensure you are sending money to the correct person.

If you sent money to the wrong person, contact them for a refund. If unsuccessful, call customer service at 801-409-5000.

Safeguarding Your Information with Zelle^®

Is my information secure?

Keeping your money and information safe is a top priority for Bank of Utah. When you use Zelle^® within our Online Banking or Mobile App, 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?

Avoid using Zelle® for transactions with unknown individuals or for purchases where you're uncertain of receiving the expected goods or services, such as items bought on online auction or sales sites. These transactions carry significant risk, similar to sending cash to a stranger.

Neither Bank of Utah nor Zelle^® offers a protection program for any authorized payments made with Zelle^®. This means you may not recover funds if you don't receive the item as described.

¹ Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle^®. Mobile carrier fees and data rates may apply.
² Must have a bank account in the U.S. to use Zelle^®.
³ In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.
Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.