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 online 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 Saint Louis Bank.¹

You can send, request, or receive money with Zelle^®. To get started, log into your Saint Louis Bank app or online banking portal. In Online Banking, navigate to "Transfers & Payments" and select "Send money with Zelle^®". In our mobile app, navigate to "Menu" in the bottom taskbar and select "Send 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), enter 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 already 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 Saint Louis Bank account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:
      a. Click on the link provided in the payment notification you received via email or text message.
      b. Select Saint Louis Bank.
      c. 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 same email address or U.S. mobile number to ensure you receive your money.

Keeping your money and information secure is a top priority for Saint Louis Bank. When you use Zelle^® within our mobile app or online banking portal, your information is protected with the same technology we use to keep your Saint Louis Bank account safe.

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 Saint Louis Bank 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).

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 the Saint Louis Bank app or online banking using only their email address or U.S. mobile number.

Neither Saint Louis Bank 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.

Qualifying imposter scams may be eligible for reimbursement. Please contact our customer service team at (314) 851-6200 Monday through Friday, from 9:00 am to 5:00 pm CT.

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

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 customer service team at (314) 851-6200 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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 customer service team at (314) 851-6200 to determine what options are available.

No, Saint Louis Bank does not charge any fees to use Zelle^® in our mobile banking app or online banking portal.

Your mobile carrier’s messaging and data rates may apply.

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 Saint Louis Bank app, navigate to "Menu" in the bottom taskbar, and select "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 Saint Louis Bank app, navigate to "Menu" in the bottom taskbar and select, “Send money with Zelle^®”. There, 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.