You can send, request or receive money with Zelle^®.

• To start using Zelle^® at , you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to Online Banking or our mobile banking app. Locate the Tab Name tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access "Send Money With Zelle^®" tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle^®.
• To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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 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 to request, 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 enrolled their U.S. mobile number, then you can send the request using their 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 account, typically within minutes.
• If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select . 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.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

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 .
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 where you received the notification to ensure you receive your money.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine send limits, call our service at .

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.