You can send, receive, or request money with Zelle. To get started, log into the Credit Union of Denver App or digital banking. In the main menu of the mobile app, select "Zelle". Or if logging into digital banking on a browser, you can select "Zelle" under "Move Money".

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,” enter their enrolled email address or U.S. mobile number confirm the recipient is correct and tap "Request."

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 Credit Union of Denver account, typically within minutes.

If someone sent you money with Zelle and 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 Credit Union of Denver.
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.

Keeping your money and information safe is a top priority. When you use Zelle within your Digital Banking, your information is protected with the same technology we use to keep your bank account safe. Banking account information is never shared while using 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 Credit Union of Denver account to another person's bank account within minutes*, 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).

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 the Credit Union of Denver App or digital banking using just their enrolled email address, U.S. mobile number, or Zelle tag.

Neither Credit Union of Denver nor Zelle offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

Please contact our customer support team at 303.234.1700. Qualifying imposter scams may be eligible for reimbursement.

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

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 303.234.1700 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 303.234.1700 to determine what options are available.

No, Credit Union of Denver does not charge any fees to use Zelle in our mobile app.

Your mobile carrier's messaging and data rates may apply.

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.

You can now scan Zelle QR codes directly within the Credit Union of Denver mobile app. Members can both present and scan Zelle QR codes, making transfers faster and more convenient.