Zelle®

A fast, safe, and easy way to send money.

Conveniently send money using online or mobile banking. Funds are sent directly to the recipient’s account in a matter of minutes; all you need is the recipient’s email address and U.S. mobile phone number.1

  • Send money fast in just a few steps

  • Settle up with friends, family, and more, regardless of where they bank2
  • Easily divide the check for dinner, coffee, and more

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How It Works

Enrollment

  • 1

    Log in to Online or Mobile Banking

  • 2

    Go to ‘Bill Payment’

  • 3

    Select ‘Send Money with Zelle’

  • 4

    Accept the terms & conditions

  • 5

    Verify your email address or mobile phone number

Send Money

  • 1

    Log in to Online or Mobile Banking

  • 2

    Go to ‘Bill Payment’

  • 3

    Select ‘Send Money with Zelle’

  • 4

    Add a trusted recipient’s email address or U.S. mobile phone number

  • 5

    Enter the amount to send

  • 6

    Add an optional note

  • 7

    Review and send

Request Money

  • 1

    Log in to Online or Mobile Banking

  • 2

    Go to ‘Bill Payment’

  • 3

    Select ‘Send Money with Zelle’

  • 4

    Choose ‘Request’

  • 5

    Select the individual(s) you’d like to request money from

  • 6

    Enter the amount of the request

  • 7

    Add an optional note

  • 8

    Review and request4

Sending Money with Zelle Screenshot

Receive Money

  • 1

    Share your enrolled email address or mobile phone number

  • 2
    Ask them to send you money with Zelle

Frequently Asked Questions

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 minutes1, it’s important to only send money to people you trust and ensure you’ve used the correct email address or U.S. mobile number.

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

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 Drake Bank.
  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 using the email address or mobile number where you received the notification to ensure you receive the money.

Zelle is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should only be used to send money to people you trust.

Neither Drake Bank 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, it is not as described or as you expected.

You can find a complete list of participating banks and credit unions live with Zelle here.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their contact information, an email address, a U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle through your Online or Mobile Banking account, your name, name of your bank, and email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Drake Bank).

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 Drake Bank of the incoming payment. Drake Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

To use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

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, 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 ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. Contact our team for help if you cannot get your money back.

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

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.

Contact our team for support.

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

Keeping your money and information safe is a top priority for Drake Bank. When you use Zelle within Online or Mobile Banking, your information is protected by the same technology we use to keep your bank account safe.

You should not use Zelle for transactions 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).

These transactions are potentially high risk (just like sending cash to a person you don’t know). Neither Drake Bank 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, it is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Contact our team for support and ask to move your email address or U.S. mobile phone number to Drake Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Drake Bank account, and you can start sending and receiving money with Zelle through Online or Mobile Banking. Contact our team for support.

Additional Resources

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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®. Mobile carrier fees may apply.
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 enrolled with Zelle®.