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We have partnered with ZelleĀ® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust2
ZelleĀ® is available right from online and mobile banking so you don't need to download anything new to start sending and receiving money!Ā
How to start using ZelleĀ®:
- Enroll or log in to online banking and select Pay Bills
- Select "Send money with ZelleĀ®"
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
That's it! You're ready to start sending and receiving money with ZelleĀ®
*Must have a FiCare Checking account and be enrolled in Bill Pay in order to useĀ ZelleĀ®.
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Using ZelleĀ® is:
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FAST
Send money directly from your account to theirs,Ā typically in minutes3

SAFE
Send and receive money with ZelleĀ® right from online banking and select Pay Bills online or in our mobile banking app2

FREE
There are no fees to send money with ZelleĀ® from our online or mobile banking app1
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Download the FiCare FCU App
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Watch the video to learn more aboutĀ ZelleĀ®!
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Zelle® Frequently Asked Questions
In order to use ZelleĀ®, the sender and recipientās bank or credit union accounts must be based in the U.S.
Your email address or U.S. mobile number may already be enrolled with ZelleĀ® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile number to FiCare FCU so you can use it for ZelleĀ®.
Once customer support moves your email address or U.S. mobile number, it will be connected to your FiCare FCU account so you can start sending and receiving money with ZelleĀ® through the FiCare FCU mobile app. Please call FiCare FCU customer support toll-free at (813) 600-5920 for help.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipientās bank or credit union isnāt on the list, donāt worry! The list of participating financial institutions is always growing, and your recipient can still use ZelleĀ® by downloading the ZelleĀ® app for Android and iOS.
To enroll with the ZelleĀ® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a VisaĀ® or MastercardĀ® debit card with a U.S. based account (does not include U.S. territories). ZelleĀ® does not accept debit cards associated with international deposit accounts or any credit cards.
You can only cancel a payment if the person you sent money to hasnāt yet enrolled with ZelleĀ®. To check whether the payment is still pending because the recipient hasnāt yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select āCancel This Payment.ā If you do not see this option available, please contact our customer support team at (813) 600-5920 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with ZelleĀ®, the money is sent directly to their bank account and cannot be canceled. This is why itās important to only send money to people you trust, and always ensure youāve 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 support team at (813) 600-5920 so we can help you.
You can send, request, or receive money with ZelleĀ®. To get started, log into FiCare FCU's mobile app. In the main menu, select "Send money with ZelleĀ®."
To send money using ZelleĀ®, simply select someone from your mobile deviceās contacts (or add a trusted recipientās email address or U.S. mobile number), add the amount youād like to send and an optional note, review, then hit āSend.ā The recipient will receive an email or text message notification via the method they used to enroll with ZelleĀ®. Money is available to your recipient in minutes if they are already enrolled with ZelleĀ®.
To request money using ZelleĀ®, choose āRequest,ā select the individual from whom youād like to request money, enter the amount youād like, include an optional note, review and hit āRequest". If the person you are requesting money from is not yet enrolled with ZelleĀ®, 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 ZelleĀ®. If you have already enrolled with ZelleĀ®, you do not need to take any further action. The money will be sent directly into your FiCare FCU account, typically within minutes.
If someone sent you money with ZelleĀ® and you have not yet enrolled with ZelleĀ®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select FiCare FCU.
- 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 ZelleĀ® using that email address or U.S. mobile number to ensure you receive your money.
It's easy ā Zelle® is already available within FiCare's mobile banking app and online banking within Bill Pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.
When you enroll with Zelle® through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared ā those stay with FiCare).
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 FiCare of the incoming payment. FiCare then directs the payment into your bank account, all while keeping your sensitive account details private.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.3
If you send money to someone who isn't enrolled with ZelleĀ®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.3
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.
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 FiCare nor Zelle® offers a protection program for any authorized payments made with Zelle® ā for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Keeping your money and information safe is a top priority for FiCare FCU. When you use ZelleĀ® within our mobile app, your information is protected with the same technology we use to keep your FiCare FCU account safe.
If you have already enrolled with ZelleĀ®, 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.3
If you have not yet enrolled with ZelleĀ®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select FiCare FCU.
- 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.
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.3 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2
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.2
Since money is sent directly from your bank account to another person's bank account within minutes,3 Zelle® should only be used to send money to friends, family and others you trust.
Neither FiCareĀ nor Zelle® offers a protection program for any authorized payments made with Zelle® ā for example, if you do not receive the item you paid for or the item is not as described or as you expected.
ZelleĀ® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your FiCare FCU account to another personās bank account within minutes1, ZelleĀ® should only be used to send money to friends, family and others you trust.
If you donāt know the person or arenāt sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use ZelleĀ®. These transactions are potentially high risk (just like sending cash to a person you donāt know is high risk).
Neither FiCare FCU nor ZelleĀ® offers a protection program for any authorized payments made with ZelleĀ® ā for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Yes! They will receive a notification via email or text message.
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1Ā Mobile network carrier fees may apply.
2Ā Must have a bank account in the U.S. to use ZelleĀ®.
3Ā Transactions typically occur in minutes when the recipientās email address or U.S. mobile number is already enrolled with ZelleĀ®.
4Ā In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with ZelleĀ®.
ZelleĀ® and the ZelleĀ® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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