What is Zelle®?
Zelle® is a way to send money directly between almost any bank account in the U.S. typically within minutes1. With just an email address or U.S. mobile phone number, you can now quickly, safely, and easily send money to almost anyone you know and trust, regardless of where they bank1. Ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly1.
Who can I send money to with Zelle®?
You can send money to almost anyone you know and trust with a bank account in the U.S. We recommend that you ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly.
Since money is sent directly from your Bank of Central Florida 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 Bank of Central Florida 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.
Are there limits on how much money I can send or receive with Bank of Central Florida?
Yes. Zelle® send limits at Bank of Central Florida are $500 per transaction and $1,000 per day for your combined eligible accounts.
There are no limits on what you can receive using Zelle®.
What should Zelle® be used for?
Zelle® is a great way to send money to family and friends1.
Zelle® should only be used with people you are familiar with. If you don't know the person, or aren't sure you will get what you paid for, we recommend you do not use Zelle® as the form of payment.
Neither Bank of Central Florida 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.
How do I get started?
To get started, log into the Bank of Central Florida mobile banking app, tap "Get Started" on the Zelle® Welcome page, select the email address and U.S. mobile phone number you'd like to add to your Zelle® profile, choose the checking account you'd like to link as the default account for sending and receiving money, confirm your U.S. mobile phone number using the verification code sent and you're finished.
How do I use Zelle®?
Log into the Bank of Central Florida's mobile banking app. Tap the more option (+) on your mobile device task bar, then tap the Zelle® icon. You can send, request, split and receive money with Zelle®.
To send money using Zelle®, tap "Send," select your recipient from your mobile device's contacts (or add your trusted recipient's email address or U.S. mobile phone number), confirm their email address or mobile phone number is correct, enter the amount you'd like to send, include an optional note, review and confirm.
To request money using Zelle®, tap "Request," select the individual(s) from whom you'd like to receive money, enter the amount you'd like to request, include an optional note, review and confirm. Please note, you can only request money from contacts using their email address unless they have already enrolled their U.S. mobile phone number with Zelle®.
To split a money request, tap "Split," select the individual from whom you'd like to receive money, enter the total amount you're requesting and the app will calculate each person's share. You can change each amount if the total shouldn't be split evenly, include an optional note, review and confirm. Please note, you can only request money from contacts using their email address unless they have already enrolled their U.S. mobile number with Zelle®.
Are there any fees to send money with Zelle®?
No, Bank of Central Florida does not charge any fees to use Zelle® in the Bank of Central Florida app.
Can I use Zelle® internationally?
In order to use Zelle®, the recipient must be able to receive money into a bank account in the U.S.
Can I cancel a payment once I've sent it?
When sending money to a recipient already enrolled with Zelle®, the money is sent directly to your recipient's bank account and cannot be cancelled. That is why it is important to only send money to recipients you know and trust.
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 sent money to the wrong person, we recommend contacting the recipient and requesting the money back. For further assistance, contact the Bank's support team at
(866) 211-1512.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
What happens if I send money to someone and they never enroll?
If your recipient has not yet enrolled with Zelle®, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.
Can I change the email address or mobile phone number that I have linked to my Zelle® enrollment?
Yes, you can change your U.S. mobile phone number by tapping the Zelle® Contact Information icon. After entering your new U.S. mobile phone number you will be prompted to verify the contact info using a verification code sent to you.
Your email address cannot be changed within the Bank's mobile app; however, you may choose a different email address that's already on file with the Bank. Tap the Zelle® icon, select "Contact Information" and select a different email address from the picklist.
Don't see the email address you're looking for? You may add a new email address by logging into your Consumer eBanking account. Select the "Customer Service" tab, then "Manage Contact Information", then select the "change email address" option.
Will my recipient see my bank account details?
No, none of your bank account details will be shared with your recipient.
Is my information secure?
Keeping your money and information safe is a top priority for Bank of Central Florida. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your account safe.