Zelle^®

You can send, request, or receive money with Zelle^®. To get started, log into Digital Banking and select “Move Money | Zelle^®” then “Send Money with Zelle^®.” Using the First State Bank of St. Charles Mobile Banking App, select “Move Money” then “Send Money with Zelle^®.” Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, review and accept the terms and conditions. You’re ready to start sending and receiving 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), add 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 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 First State Bank of St. Charles 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 First State Bank. 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.

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

Your email address or U.S. mobile 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 number to First State Bank of St. Charles so you can use it for Zelle^®.

Once customer support moves your email address or U.S. mobile number, it will be connected to your First State Bank of St. Charles account so you can start sending and receiving money with Zelle^® through the First State Bank of St. Charles mobile app. Please call our customer care team at (636) 940-5555 for help.

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 First State Bank of St. Charles account to another person’s bank account within minutes,¹ 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).

Zelle^® does not offer 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.

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 support team at (636) 940-5555 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 support team at (636) 940-5555 to determine what options are available.

We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by First State Bank of St. Charles, but are a separate service from Zelle^® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

No, First State Bank of St. Charles does not charge any fees to use Zelle^® in the First State Bank of St. Charles app. Your mobile carrier’s messaging and data rates may apply.²

While First State Bank of St. Charles does not charge fees to send or receive money with Zelle^®, there is a fee to cancel a Zelle^® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine First State Bank of St. Charles send limits, call Customer Service at First State Bank of St. Charles.

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.

Zelle^® QR codes provide 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 in to the First State Bank of St. Charles app and click “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 in to the First State Bank of St. Charles App, click “Send Money With Zelle^®”, 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.