Zelle®

Before Using Zelle^®

You will need the following before setting up Zelle^® to send or receive money:

• An existing Planters Bank deposit account.
• Enrollment in Planters Bank Online Banking and Online Bill Pay.
• The Planters Bank Mobile App installed on your mobile device(s).

Getting Started is Easy

1. Log into your Planters Bank Mobile App or the Planters Bank “Account Access” on the website home page.
   • Mobile App: Tap “Transfer and Pay” at the bottom of the screen, then select the Send Money with Zelle® icon.
   • Website: Select the Bill Pay tab at the top of the screen, then select the Send Money with Zelle® icon.
2. Enroll your U.S. mobile number or email address.
3. Send money to friends, family, and others you know and trust.

For additional helpful tips about using Zelle®, please see the Zelle® Video and Frequently Asked Questions below.

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Frequently Asked Questions

What is Zelle®? Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.¹ With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank._²

Who can I send money to with Zelle®? You can send money to friends, family, and others you trust.^₂ Since money is sent directly from your bank account to another person's bank account within minutes,¹ 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.

How do I use Zelle®?

• To SEND money: Select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile phone number), enter the amount you'd like to send, include an optional note, review for accuracy, and then hit “Send.” In most cases, the money is available to your recipient in minutes.¹
• To REQUEST money: Choose “Request,” select the individual from whom you'd like to request money (or add a sender’s email address or U.S. mobile phone number), enter the amount you'd like to request, include an optional note, review for accuracy, and then hit “Request.”³
• To RECEIVE money: Share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. The money you receive will go directly into your designated Planters Bank deposit account (you will receive a notification).

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 move directly into your bank account, typically within minutes.¹

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 neighbor. Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle® should only be used to send money to people you trust._²

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 live with Zelle® here. If your recipient's bank or credit union isn't on the list, they can still use Zelle® by downloading the Zelle® app for Android and iOS.

How does Zelle® work? When you enroll with Zelle® through your Planters Bank Mobile App or Online Bill Pay, your name, your financial institution's name, and the email address or U.S. mobile number with which you enrolled is shared with Zelle® (no sensitive account details are shared). 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 your financial institution of the incoming payment. Planters Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle® internationally? No, both the sender and recipient's bank accounts must be based in the U.S.

Can I cancel a payment? 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. 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. If you sent money to the wrong person, contact the recipient and request the money back. If you are unable to get your money back, call the Planters Bank customer support team at 888-806-7036 for assistance.

How long does it take to receive money with Zelle®? Money sent with Zelle® is typically available to an enrolled recipient within minutes.¹ 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 move directly to your recipient's account, typically within minutes.¹

Will the person I send money to be notified? Yes, they will receive a notification via email or text message.

Is my information secure? Yes, 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? If you don't know the person or aren't sure you will get what you paid for, you should NOT use Zelle® for these types of transactions. These transactions are potentially high risk. Neither Planters Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®.

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 Planters Bank Mobile App or Online Bill Pay using just their email address or U.S. mobile number.

Need Your Planters Bank Mobile App?

If you don’t have the Planters Bank Mobile App, you can download it now (see buttons below).

 

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
¹ Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
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.
⁴ Download the Planters Bank Mobile App from your mobile device’s appropriate app provider.