How to add zelle to your bank account

How it works:

Fast

Send and receive money in minutes1 while keeping your account information private.

Easy

All you need is a U.S. bank account and a U.S. mobile number or email.

Free

Zelle® is free in our mobile app2 and Online Banking.

Nearly Everywhere

Zelle® is in most people's banking apps, and money is sent directly between accounts.1

How to add zelle to your bank account

  • We will never call to ask you to send money using Zelle® to yourself or anyone else.
  • We will never contact you via phone or text to ask for a security code.
  • If anyone reaches out to you and asks you to send money or provide a code, it is likely a scam. Bank of America will not do this.
Learn more about trending scams

Start using Zelle® today

Enter your cell phone number

Cell phone area code - three digits number required Cell phone prefix - three digits number required Cell phone line number - four digits number required Send

Explore our FAQs

Find answers

Zelle® is the answer for so many situations.

Need to pay rent? Zelle®. Share household expenses? Zelle®. Settle up with friends for a night out? Yep, Zelle® again. Check out the video below to see how easy it is.

Plus, with Zelle® ready contacts, it’s easy to know who’s already enrolled with Zelle®. When you see a purple “Z” icon next to someone’s name on your contact list, you can send them money with Zelle® anytime with the confidence that it’ll be in their account in minutes. Learn more about Zelle® ready contacts below in the FAQ.

Why use Zelle®?

It’s safe.

With Zelle®, money travels directly between accounts with no stops in between. And as a U.S. Bank customer, you’re protected by our Digital Security Coverage.

It’s fast.

Money you send with Zelle® can be in your recipient’s account in minutes,2 making Zelle® an ideal way to share the cost of expenses between friends or send the gift of money.

It’s convenient.

Find Zelle® in the U.S. Bank Mobile App or online banking. All you need to send money is the recipient’s email address or U.S. mobile number.

It’s easy.

Sending money is simple. Just pick a trusted recipient, enter an amount and hit Send. You can track your payment in mobile or online banking. Requesting money is just as easy.3

It’s personal.

You can add emojis and choose from a wide variety of colorful, entertaining eCards to send with your Zelle® payment. Add a personal touch for any occasion – or just a bit of fun for no reason at all. See our eCard FAQ.

Already have the U.S. Bank Mobile App?

You can also use Zelle® in online banking.

You can start using Zelle®anytime you're banking in the app or online. Simply log in to your account and explore everything you can do.

Log in and try Zelle® now

Frequently asked questions

Can you add Zelle to any bank account?

Zelle® works between U.S.-based banks. Which means, even if you bank somewhere different than your friends and family do,1 you can still use Zelle® to safely send and receive money straight from your banking app. Zelle® is free1 to use.
You just need a bank account in the U.S. and a U.S. mobile number or email. Millions of people already have it in their bank's app or there's a separate Zelle app that friends can use by enrolling their debit card. Keep in mind, Zelle moves money from your bank account to someone else's in minutes.

How do you add Zelle?

Enroll with Zelle.
Sign on and select Transfer & Pay..
Go to Send Money with Zelle® and view the Welcome note..
Read and accept the Zelle® Transfer Service Addendum..
Enroll an email address or U.S. mobile number, and select the account where you want money to be deposited..

How do I set up a Zelle account to receive money?

To get started, log in to the U.S. Bank Mobile App or online banking and navigate to Send money with Zelle®. Select an email address or U.S. mobile number that friends will use to send you money, enter a verification code if you receive one, select the receiving account and select Enroll.