Zelle®
Send, receive and request money quickly from friends, family and people you trust using Star One's Mobile App. Log into our Mobile App to begin.
What is Zelle® ?
Zelle® is a way to send, receive and request money quickly, safely and securely.
Get money to and from friends, family and people you trust who have a bank account in the U.S. by using the Star One Mobile App on your Android or Apple mobile device.
- The Zelle® payment service should only be used to send money to people you trust (i.e. friends and family).
- Once a payment is sent to a Zelle® participant, it cannot be canceled, disputed, or reversed.
- If you send money to someone in error, please contact the payment recipient to resolve.
Zelle® Demo
View our interactive demo and learn how to move money quickly, safely, and securely.
Zelle®
It's easy — just enroll with Zelle® through the Star One Mobile App and link your account to your U.S. mobile number or email address. When you're ready to send money, you can select an existing contact or add a trusted recipient's email address or U.S. mobile phone number. If the person you are sending money to is already enrolled with Zelle®, be sure to send money to the email address or U.S. mobile number they enrolled with Zelle®. The person you're sending money to must have a bank account in the U.S. to receive money with Zelle®. In most cases, the money you send or receive is available in minutes.*
*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
To quickly enroll, you must be at least 18 years old and have:
- A valid U.S. mobile number.
- An active Star One checking or savings account.
- To be in good standing with your deposit accounts.
- Location services for the Star One Mobile App enabled in your phone settings.
- The latest version of the Star One Mobile App.
If you don't enroll with Zelle®, you won't be able to send, receive or request money with Zelle®. If someone sends you money and you don't enroll with Zelle® within 14 days, the payment will expire and you won't receive the money.
The U.S. mobile number or email address may already be enrolled with Zelle® at another credit union or bank. If you're not sure where your U.S. mobile number or email address is already enrolled, and you want to use it with Zelle® through Star One, please call Star One customer support team so that you can enroll it with Star One to start sending and receiving with Zelle® through your Star One Mobile App.
To change or cancel your Zelle® account, please call us.
Yes, your payment cannot total more than $2,500 in a rolling 24 hours.
You can only cancel a payment if the recipient hasn’t enrolled with Zelle® yet. To check if a payment is pending:
- In the Zelle® payment service, tap on the "Activity" option.
- Locate the pending payment you want to cancel.
- Tap on the "Cancel" button.
If the recipient is already enrolled with Zelle®, the money will be sent directly to their bank account. The Zelle® payment service should only be used to send money to people you trust (i.e. friends and family). Once the payment is sent to an enrolled Zelle® participant, the payment cannot be canceled, disputed, or reversed.
When sending money, we'll default to the last account you used. To use a different account, select "From Account" on the "Enter Amount" screen and select the account you want to use.
See the status of your payments on the Send Money with Zelle® activity screen in the Star One Mobile App.
The Zelle® payment service should only be used to send money to people you trust such as friends and/or family. Once a payment is sent to Zelle® participant, it cannot be canceled, disputed, or reversed.
You may add the recipient's email address and/or U.S. mobile number to your mobile device's contact list. Once added, you may search the recipient by name in the search box under the "Select Recipient" screen.
Alternatively, you may type in the recipient's email address or U.S. mobile number directly in the search box under the "Select Recipient" screen and tap the "Next Step" button. This will allow you to send money to a recipient not listed in your mobile device's contact list. However, this will not save the receipient's contact information into your list for future payments. You will need to manually type it each time a payment is sent.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
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.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions. Payments made through Zelle® are intended for people you trust. Neither Star One nor Zelle® offers protection for any authorized payments made with Zelle®. For example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described or as you expected. Once the payment is sent to an enrolled Zelle® participant, the payment cannot be canceled, disputed, or reversed.
If you send money to an email address or U.S. mobile number for someone other than your intended recipient and the unintended recipient isn't willing to send the money back to you, you will be unable to recover these funds. Therefore, you should only send payments to trusted individuals (i.e. friends and family) as payments submitted through Zelle® cannot be canceled, disputed or reversed.
If your recipient didn't receive the money because they didn't enroll with Zelle®, ask them to complete their enrollment to receive the payment. Additionally, you may cancel the payment in the Zelle® activity page or after the payment expires and the money is returned to your account, you may send the money again.
If your recipient hasn't yet enrolled with Zelle®, they'll get an email or text notification letting them know that money is waiting for them. They will be prompted to follow a few steps to get started in order to enroll and receive their money. If your recipient doesn't enroll, they won't receive the money. The payment will expire in 14 days and the money will go back into your account.
Yes. If your recipient has already enrolled with Zelle®, they'll receive an email or text notification that money has been received. If they haven't yet enrolled, they'll get an email or text notification with information on how to enroll and receive their money.
You will not receive money until you enroll. Once you enroll, you should receive your payment within minutes. Future payments between you and enrolled Zelle® users will typically be received in minutes.
If you are enrolled and still waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't recived a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Yes. If you've already enrolled with Zelle® through Star One, you'll receive an email or text notification from us that someone has sent you money and no other action is necessary. If you haven't yet enrolled with Zelle®, you'll get a notification from Zelle® that you have money waiting for you and instructions on how to enroll.
You can request money from another person using the Star One Mobile App on your mobile device.
- Tap the pull out menu and select "Send Money with Zelle®" option.
- Select the "Activity" option and locate the pending request.
- Tap on the "Cancel" button to cancel the request.
Once you confirm the cancellation of your request for money, your recipient will no longer be able to respond to the request.
Yes, your total requested amount cannot exceed more than $2,500 in a rolling 24 hour period.
*Star One request limit is $2,500; however, sender limit may be less.
You can cancel requests on a per recipient basis only if the recipient has not already responded or the request has not expired. To cancel a request for money, go to "Zelle®" in the Star One Mobile App and select "Activity" to view your pending request. Select "Cancel". Once you confirm the cancellation, your recipient will no longer be able to respond to the request.
To respond to a request for money in your Star One Mobile App:
- Tap the pull out menu and select the "Send Money with Zelle®" option.
- Select the "Activity" option to view the pending request.
- Tap on the "Decline" button to reject the request or tap on the "Send" button to accept the request to send the payment.
Your requests for money are active for 14 days. If a recipient doesn't respond within this time frame, the request will expire.
*Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.