Zelle®

A fast and easy way to send money.

Conveniently send money using online or mobile banking. Funds are sent directly to the recipient’s account in 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 other trusted contacts

  • 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

  • 6

    Select the deposit account

  • 7

    Enter the one-time verification code that you received via email or text

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

    Enter the enrolled person’s email address, U.S. phone number, or Zelle tag you’re requesting money from

  • 6

    Enter the amount of the request

  • 7

    Add an optional note

  • 8

    Review and request

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 and are familiar with.2

Since money is sent directly from your bank account to another person’s bank account within minutes1, it’s important to send money only to people you trust and to ensure you’ve used the correct email address or U.S. mobile number.

If you don’t know the person or are not sure you will get paid for (i.e., online bidding or sale sites), you should not use Zelle. These types of transactions are potentially high risk, like sending cash to a person you don’t know.

If you have already enrolled with Zelle, you do not need to take any further action. The money will go 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 QR codes provide 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 in to Online or Mobile Banking
  • Go to ‘Bill Payment’
  • Select ‘Send Money with Zelle’
  • Select ‘Settings’

You can view, print, or share your Zelle QR code to receive money. To send money using the Zelle QR code, follow the ‘Send Money’ steps and instead of entering the recipient’s email address or U.S. mobile phone, select the QR code icon on the ‘Select Recipients’ screen. You will need to allow access to your camera to scan the QR code. It is important to confirm the recipient’s name is correct when reviewing the transaction before clicking ‘Send.’

It is also important to be aware of QR Code scams to ensure the QR code has not been tampered with before sending money. Learn more about common scams in our blog.

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.

Users must be enrolled through a bank or credit union that offers Zelle to send and receive money. You can find a complete list of participating financial institutions here.

If their bank or credit union is not listed, we recommend you use another payment method.

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 to determine what options are available.

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.

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.

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.

Contact our team right away for assistance at (651) 224-5000.

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Zelle® and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. To send or receive money with Zelle, both parties must have an eligible checking or savings account. Data charges may apply; wheck with your mobile phone carrier for details.
1 Transactions between enrolled users typically occur in minutes.
2 Must have an eligible bank account in the U.S. to use Zelle®.