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. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.¹

You can send, receive, or request money with Zelle®. To get started, log into Online Banking or the GTE Mobile App and select "Send Money with Zelle®". 

Select someone from your mobile device’s contacts (or add a trusted recipient’s email address, U.S. mobile phone 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

To request money using Zelle®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.¹

To receive money, just share your enrolled email address, U.S. mobile phone number, or Zelle® tag with a friend and ask them to send you money with Zelle®.

You can send money to friends, family and others you trust. Since money is sent directly from your bank account to another person’s bank account within minutes, 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.¹

Keeping your money and information safe is a top priority. 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 safe.

You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient's credit union or bank isn’t on the list, don’t worry! GTE Financial still offers same day and standard 3 business day external transfers in online and mobile banking for a small fee. Please review the Member Schedule of Current Charges for transfer fees.

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. Since money is sent directly from your bank account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust. Neither GTE 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.

You can cancel a payment if the person you sent money to has not yet enrolled with Zelle®. To check whether the payment is still pending because the recipient has not yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This 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, U.S. mobile numver, or Zelle® tag when sending money. If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back.

If you aren’t able to get your money back, please call us at 813.871.2690 so we can help you.

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

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.

If you have not yet enrolled, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select GTE Financial.
3. 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.

Zelle®️ does not offer purchase protection for payments made with Zelle®️. To learn about GTE’s purchase protection, please view our terms and conditions: Security Tips

Please contact our Member Care team at 813.871.2690. Qualifying imposter scams may be eligible for reimbursement.

GTE does not charge fees to send or receive money with Zelle®️, but there is a 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.

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

Zelle®️ does not offer 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. To learn about GTE’s purchase protection, please view our terms and conditions: Security Tips

No, GTE does not charge a fee to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply.

Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to GTE’s online banking or mobile app “Send Money with Zelle®”. If you don’t see Zelle®, please call our Member Care team at 813.871.2690.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S. but you can transact from anywhere internationally.

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 Member Care team at 813.871.2690 for assistance with canceling the pending payment.

If you send money to a small business or consumer who 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, U.S. mobile number, or Zelle® tag when sending money.

If you sent money to the wrong person, please immediately call our member care team at 813.871.2690 to determine what options are available.

Zelle® QR codes provide 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 the GTE Mobile App. “Send Money with Zelle®”. 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 the GTE Mobile App. “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.

Please contact our Member Care team at 813.871.2690. Qualifying imposter scams may be eligible for reimbursement.

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

Zelle® tags are a unique identifier you can customize to your business so customers can easily send you payments. Tags are used to send, request, and receive money without sharing your personal contact information, adding privacy and anonymity when transacting.

Tags can be created in GTE online or mobile banking. If you are not already enrolled in Zelle®, you can create a tag during the enrollment process. If you are already enrolled in Zelle®, navigate to the ‘profile’ page and select ‘Add’ next to ‘Zelle® tag.” You will then select a contact method associated with the tag. A contact method is a required US mobile number that will be used for authentication purposes.

Closely align the tag name with your business name. Tags can be 6 to 40 characters long. You can use letters, numbers, and hyphens, but no other special characters or spaces. Include at least 2 unique letters. Tags are not case sensitive. Do not use personal names, expletives, or offensive language. Once submitted, the name will be checked for availability. If the tag requested is unavailable, another name will need to be submitted.

Never give out your one-time passcode. The credit union will never ask you for this information. Avoid urgent requests as fraudsters utilize urgency and fear to scam users. Avoid making payments to unknown individuals or businesses. Report suspicious activity promptly and verify recipients before sending funds. An employee of the credit union will never call you to process a Zelle® refund. If you receive this call, please hang up and contact Member Care.

No, transactions on the Zelle® network are not reported to the IRS, including payments for the sale of goods and services. The law requiring certain payment networks to provide 1099K for information reporting on the sale of goods and services does not apply to the Zelle® network. If payments received on the Zelle® network are taxable, it is the owner's responsibility to report them to the IRS. For any tax obligations or questions, they should consult with a tax professional.