Zelle

Knowing which of your friends, family and those you trust are enrolled with Zelle® is simple, we’ve tagged your contacts that are already using Zelle® with a “Z” logo.

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

We’d all like to think that we’d be able to spot a scam. However, scams and fraud (especially related to finances) can affect anyone, no matter how savvy we think we are.

Learn more about how you can protect yourself with these Pay it Safe resources from Zelle®.

Zelle^® is currently not available for Blaze business accounts. We continue to assess making Zelle^® available for business accounts in the future.

No, Zelle® payments cannot be reversed.

You can only cancel a payment if the person 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 Experience Center at 651.215.3500 for assistance with canceling the pending 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 know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our Member Experience Center at 651.215.3500 to determine what options are available.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our Member Experience Center at 651.215.3500 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

Once a staff member moves your email address or U.S. mobile phone number, it will be connected to your account so you can start sending and receiving money with Zelle® through your Blaze CU Mobile app and Blaze Digital Banking. Please call our Member Experience Center at 651.215.3500 for help.

When you enroll with Zelle® through Blaze Digital Banking or the Blaze CU Mobile app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Blaze Credit Union). 

When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies Blaze Credit Union of the incoming payment. Blaze Credit Union then directs the payment into your account, all while keeping your sensitive account details private.

The option to Send Money with Zelle® will not appear under the Transfer & Pay navigation menu if you are using the web browser on your mobile device to access your accounts. You must be using our Blaze CU Mobile app.

As of March  31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

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 be available directly in 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.
Still having trouble? Please contact our Member Experience Center at 651.215.3500.

Neither Blaze Credit Union 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. 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.

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

To locate your Zelle® QR code, log into the Blaze CU Mobile app, open the "Transfer & Pay" option under the Menu and tap “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.

To send money, log into the Blaze CU Mobile app, open the "Transfer & Pay" option under the Menu and tap “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.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.¹

If you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Blaze Credit Union.
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 where you received the notification to ensure you receive your money.

Please contact our Member Experience Center at 651.215.3500. Qualifying imposter scams may be eligible for reimbursement.

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 Blaze CU Mobile app using just their email address or U.S. mobile 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 online bidding or sales site), you should not use Zelle® for these types of transactions.

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

Blaze members can get started by enrolling with Zelle®:

1. Enroll or log into Blaze Digital Banking.
2. Select Transfer & Pay.
3. If your account is eligible, you will be able to select Send Money with Zelle®.
4. Accept Terms and Conditions.
5. Select your U.S. mobile number or email address and deposit account.

That's it! You're ready to start sending and receiving money with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Blaze Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Blaze Credit Union.
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.

Blaze Credit Union does not charge fees to send or receive money with Zelle®, but there is a $28 stop payment 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.

The following limits apply to sending money with Zelle®:

Typically within minutes

• Daily - $1,000
• Monthly (rolling 30-day period) - $2,000
• Total Outstanding - $2,000

More info

• Funding accounts can have different limits
• Number of transactions allowed: 15 per day, 30 per month
• The 30 days limit includes activity within the last 30 days, including today
• Make sure you have enough left in your daily limit for future dated payments

At Blaze Credit Union, there are no limits to the amount of money you can receive with Zelle®. However, remember the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

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

Zelle^® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or digital banking.  All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Blaze Credit Union.¹

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor¹.

Since money is sent directly from your Blaze Credit Union 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).

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.¹

Since money is sent directly from your account to another person's account within minutes,¹ Zelle® should only be used to send money to friends, family and others you trust.

Keeping your money and information safe is a top priority for Blaze Credit Union. When you use Zelle® within the Blaze CU Mobile app or Blaze Digital Banking, your information is protected with the same technology we use to keep your Blaze Credit Union account safe.