Send and receive money with Zelle®
Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, regardless of where they bank in the US.* Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
- Fast: Send money directly from your account to theirs -- typically in minutes.*
- Safe: Use Zelle® within the app you already trust. No account numbers are shared.
- Easy: Send money using just an email address or a U.S. mobile number.
What is Zelle®?
Download the App
Download the mobile app today to access your account on the go and start using Zelle®. Choose your device's app store link below, or search "LMCU Mobile App".
- Log into the LMCU app
- In the main menu, select "Transfers", then "Zelle®"
- Enroll your U.S. mobile number or email address
- You're ready to start sending and receiving money with Zelle®
What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the US, typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank in the US.*
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into LMCU's online banking or mobile app, select "Transfers", then “Zelle®”. Choose "Send money with Zelle®" and follow the prompts to complete enrollment.
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 minutes.*
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 enrolled their U.S. mobile number, then you can send the request using their mobile phone number.
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®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your LMCU account, typically within minutes.
How do I get started?
It’s easy — Zelle® is already available within the LMCU mobile app and online banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.
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. Call our customer support team and ask them to move your email address or U.S. mobile phone number to LMCU so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your LMCU account so you can start sending and receiving money with Zelle® through the LMCU mobile app and online banking. Please call LMCU customer support toll-free at (800) 242-9790 for help.
How does Zelle® work?
When you enroll with Zelle® through the LMCU app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with LMCU). 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 LMCU of the incoming payment. LMCU then directs the payment into your account, all while keeping your sensitive account details private.
Is my information secure?
Keeping your money and information safe is a top priority for LMCU. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your LMCU account safe. For information and tips on how to safeguard your information, check out our security center.
Who can I send money to with Zelle®?
You can send money to friends, family and others you trust even if they have a different bank or credit union.
Since money is sent directly from your LMCU account to another person’s bank account within minutes,* it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or US mobile number.
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®.
These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither LMCU 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. It is for person to person payments only using LMCU accounts only. No business accounts, no debit/credit cards, etc. LMCU doesn't have the option to offer these items at this time.
What types of payments can I make with Zelle®
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.*
Since money is sent directly from your LMCU account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust.
Neither LMCU 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.
Can I pay a small business with Zelle®?
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 your LMCU mobile app using just their email address or U.S. mobile number.
Neither LMCU nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I cancel a payment?
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 support team at (800) 242-9790 for assistance with canceling the pending payment.
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.
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 support team at (800) 242-9790 so we can help you.
Are there any fees to send money using Zelle®?
LMCU does not charge any fees* to use Zelle® with your personal checking account.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine LMCU send limits, call our customer service at (800) 242-9790.
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.
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.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
Will the person I send money to be notified?
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll 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 be sent directly into your LMCU account, typically within minutes.*
If you have not yet enrolled with Zelle®, follow these steps:
How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
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 be sent directly to your recipient’s account, typically within minutes.
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? Please give the LMCU customer support team a call toll-free at (800) 242-9790 or get in touch through our support page.
*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not have fees.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.