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Wescom

Wescom Together with Zelle®

This is How Money Moves®

Wescom has partnered with Zelle® – a fast, safe, and easy way to send money in minutes2 to friends, family and others you trust – no matter where they bank1 – right from the Wescom Mobile Banking App.

Send Money the Way It was Meant to be Sent

  • FAST: Send money directly from your bank account to theirs - typically in minutes2.
  • SAFE: Send or receive money right from your Wescom Credit Union app.
  • EASY: Send money with just a few taps using just an email address or U.S. mobile phone number.
  • ¹Must have a bank account in the U.S. to use Zelle.


    ²Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.


    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Frequently Asked Questions

What is Zelle?
Zelle is a fast, safe and easy way to send money directly between almost any financial accounts in the U.S., typically within minutes2. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
Who can I send money to with Zelle?
You can send money to friends, family and others you trust. Since money is sent directly from your account to another person’s account within minutes2, 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 phone number.
How do I use Zelle?
You can send, request, or receive money with Zelle. To get started, log into the Wescom Mobile Banking App and select the Zelle icon. Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code(s), enter it, and you’re ready to start sending and receiving 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 phone number), 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 minutes2.

To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.

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

Someone sent me money with Zelle, how do I receive it?
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your Wescom account, typically within minutes2. If you have not yet enrolled with Zelle, log into the Wescom Mobile Banking App and select the Zelle icon. Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.
What types of payments can I make with Zelle?
Zelle is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter, or neighbor. Since money is sent directly from your account to another person’s account within minutes2, Zelle should only be used to send money to people you trust. Zelle payments are considered cash transactions. Neither Wescom, 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.
How do I get started?
It’s easy — Zelle is already available in your Wescom Mobile Banking App! Check your app and follow a few simple steps to enroll with Zelle today.
What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?
You can find a full list of participating banks and credit unions live with Zelle here . If your recipient’s bank or credit union 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.
How does Zelle work?
When you enroll with Zelle through your Wescom Mobile Banking App, your name, Wescom, and the email address or U.S. mobile number you enrolled is shared with Zelle. When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or U.S. mobile number in its “directory” and notifies your financial institution of the incoming payment. Wescom then directs the payment into your account, all while keeping your sensitive account details private.
Can I use Zelle internationally?
In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.
Why is my contact’s name different from what I have displayed on my contact information?
Zelle has a national directory. When sending to an enrolled user for the first time, Zelle will display an alert asking the user to confirm the information. Regardless of what the contact states in your phone, Zelle will display the enrolled name associated with that user from their directory.
Can I cancel a payment?
If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire. 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 or U.S. mobile number when sending money.
How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled recipient within minutes2.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 minutes2. 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? Call Wescom’s Member Contact Center at 1-888-4WESCOM (1-888-493-7266) so we can help you.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
Is my information secure?
Keeping your money and information safe is our top priority. When you use Zelle within the Wescom Mobile Banking App, your information is protected with the same technology we use to keep your Wescom account safe.
Will Wescom ask me for my access code?
Wescom will never ask you for your Zelle access code. Do not share this with anyone and be sure to only use Zelle with others you know and trust.
I’m unsure about using Zelle to pay someone I don’t know. What should I do?
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. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Wescom 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.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Using our Mobile Banking App, you can transfer your email address or U.S. mobile phone number to Wescom. Please be aware, transferring financial institutions will automatically cancel any pending Zelle payments and remove all payments within the Activity Screen at the existing financial institution.
I’m already enrolled in the Zelle app. Can I still use Zelle through Wescom?
If you were previously using Zelle through the Zelle app, it will automatically reroute you to use Zelle within the Wescom Mobile Banking App. This happens because Wescom has now been added as a financial institution that offers Zelle.
Will a joint signer on my account be able to use Zelle in their name?
No. Zelle will link to the primary Member’s name, email address or U.S. mobile phone number only.
Will all Members be eligible to use Zelle?
No. Members are eligible to use Zelle if they are in good standing, at least 15 years of age and have a checking account.
Can I use Zelle to send money to other Wescom Members?
Yes, although to send money to another Wescom Member, please continue to use the Member-to-Member transfer feature in eBranch and Mobile Banking. Zelle is meant for sending money to an account at an outside financial institution and has daily limits; Member-to-Member transfers do not have those same limits.
Is there a fee for me to use Zelle?
No, Wescom will not charge any fees to use Zelle. Your mobile carrier’s messaging and data rates may apply. Follow-up with your wireless provider for more information.
I received an email saying I can’t use the Zelle app anymore. Why can’t I continue using the Zelle app?
The Zelle app will soon only be available to users whose banks and credit unions do not offer Zelle directly to their customers. Because Wescom offers Zelle, you can use it directly through the Wescom Mobile Banking App to send and receive money.
What should I do now so I can continue using Zelle?
Just start using Zelle in the Wescom Mobile Banking App! To get started, log into Wescom’s Mobile Banking App and select the Zelle icon. Following the prompts, enter the information requested, accept the terms and conditions, enter your email address or U.S. mobile phone number, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle.
What happens if I don’t do anything?
You’ll no longer be able to use the Zelle app. To continue using Zelle, you’ll need to enroll through the Wescom app.
What happens to my pending payments?
Any pending payments and requests you’ve sent will be cancelled. But don’t worry, once you’ve enrolled with Zelle through the Wescom Mobile Banking App, you can start sending and receiving money again.
My friend’s bank offers Zelle, but she can still use the Zelle app. Why?
Banks and credit unions across the country are phasing-in these changes. The Zelle app will soon only be available to users whose banks and credit unions do not offer it directly to their customers through their banking app. If your friend’s bank offers it, but she can still use the Zelle app today, she will likely receive a notice in the future saying that she will need to enroll with Zelle through her financial institution.
Someone requested money from me, and I’m currently enrolled in the Zelle app. The app keeps telling me to go to my bank or credit union. How can I respond to my friend’s request for money?
Follow the prompt in the Zelle app, and enroll with Zelle through the Wescom Mobile Banking App. Once you’re enrolled with Zelle through Wescom, contact your friend and have them resend you a request. Or, if you already know the amount of money your friend is requesting, you can simply send the money with Zelle through the Wescom app after you confirm their correct email or U.S. mobile number tied to the bank account they have enrolled with Zelle.

Note: When you are no longer able to use the Zelle app, any pending payment requests will be cancelled.

¹Must have a bank account in the U.S. to use Zelle.


²Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.


³In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

See Zelle Network® Terms and condtions for more information.