Send and Receive Money

Zelle^® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust².

You must have a checking account to use Zelle^®. You can send money to friends, family and others you trust². They must have an account to use Zelle^®, and the recipient’s bank must by a Zelle^® participating institution.

The Service is intended to send money to friends, family and others you trust. You should not use the service to send money to recipients with who you are not familiar or do not trust.

Zelle^® lets you send, request, or receive money from another individual. Log into Bank of the Pacific’s online banking or mobile app and select “Send Money with Zelle^®,” and you’re ready to get started. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, review and accept terms and conditions, and you’re ready to start sending and receiving with Zelle^®.

To send money using Zelle^®, simply add a trusted recipient’s email address or U.S. mobile phone number or select someone from your list of recipients that you have previously sent money to, 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 minutes¹.

To request money using Zelle^®, choose “Request,” select the individual(s) 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^®.

To send money using a Zelle^® QR code, simply point your camera at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the money is on the way!

To receive money using a Zelle^® QR Code open your mobile app Zelle^®, locate your own QR code “My Code”, share your QR code with the sender. The sender will san your code and complete the transaction.

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 minutes¹.

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

1. 1. Click on the link provided in the payment notification you received via email or text message.
   2. Select Bank of the Pacific.
   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.

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 friends, family or others you trust.

Bank of the Pacific does not charge any fees to use Zelle^®4.

It’s easy! Zelle^® is already available within the Bank of the Pacific mobile banking app and online banking. Check our app or sign-in online and follow a few simple steps to enroll.

When you enroll with Zelle^® through the Bank of the Pacific app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with Bank of the Pacific). 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 Bank of the Pacific of the incoming payment. Bank of the Pacific then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle^® internationally, the sender and recipient’s bank accounts must be based in the U.S.

If your recipient has not yet enrolled with Zelle^®, the payment will remain pending and will not be sent. If the recipient does not enroll within fourteen 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 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our Customer Care Center at (833) 367-2687 to report the issue.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes¹.

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 minutes¹.

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? Contact Zelle^®‘s support team at (888) 826-5459.

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

Keeping your money and information safe is a top priority at Bank of the Pacific. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought online), you should not use Zelle^®.

Neither Zelle^® nor Bank of the Pacific offer protection for any authorized payments made with Zelle^® – for example, if you do not receive an item you paid for.

Your mobile number or email address may already be enrolled with a bank or credit union that offers Zelle^®. If this is the case, you may re-enroll with the same mobile number or email address within Zelle^® under Settings.

Once completed, you may start sending and receiving money with Zelle^®. If you aren’t sure where you initially enrolled, contact Zelle^® Support at 888-826-5459.