How to send money with zelle citibank

Citi checking account holders can now send, request, and receive money with anyone who has a US bank account, anytime and anywhere via Citi mobile banking App with Zelle. You can even transfer money to non-Citi customers just as you can with other zelle participating banks.

Citi also allows small business clients with checking accounts to transfer money to and from customers and qualified U.S. small business accounts, including non-Citi account holders who enrolled in Zelle mobile banking app.

With Citi-Zelle, the sender and recipient do not need to go through a third-party App because all transactions can be done from one location.

How Does It Work

• 1 How Does It Work
• 2 CITIBank Zelle Limits
• 3 Frequently Asked Questions (FAQs)
  • 3.1 How much do I pay per transaction?
  • 3.2 Do Citi and Zelle offer buyer’s protection?
  • 3.3 Can I still cancel the payment after I sent it through Zelle?
  • 3.4 Can I send money to someone who is not enrolled with Zelle?
  • 3.5 How long does it take for the money to be credited to my account after making a money request from someone?
  • 3.6 I have a small business account with Citi, can I use Zelle to transfer funds?
  • 3.7 Who can I send money to through my Citi small business checking account with Zelle?

Citi clients with US checking accounts get free access to the Citi Mobile banking App with Zelle. Zelle is a money transfer platform that enables fast and convenient means to send and request money to and from anyone who has a US bank account (Citi and Zelle participating banks).

To be eligible for the service, you need to have a U.S. consumer or small business checking account, valid email address, and U.S mobile number. Currently, Citi does not support money transfers through Zelle using a savings account or credit card.

Transactions can be completed within minutes between Citi customers who are enrolled with Zelle. It is also possible to request money from up to 9 people through the App’s “Split” option (for consumer accounts only).

To ensure fast transfers, simply instruct your recipient to download the Zelle App before the transaction. If your recipient is not a Citi account holder, you can still send or request money, via the Zelle App if his/her bank is one of Zelle’s partners.

Note: You can only transfer funds to other people or use the “Split” feature by using an enrolled U.S mobile number. Make sure that the U.S. mobile numbers of the people you will transact with have been enrolled with Zelle already.

CITIBank Zelle Limits

There are daily and monthly transfer limits with Zelle. Daily limits are computed on a 24-hour basis, from 12:00:00 AM to 11:59:59 PM Eastern Time. Monthly limits are computed on a rolling 30-day calendar basis.

The transfer limit amount will be based on the type of your consumer account package and how long you have been a Citi account holder.

Frequently Asked Questions (FAQs)

How much do I pay per transaction?

Sending, receiving, or requesting money via Citi with Zelle is free of charge. Only regular account charges appl

Do Citi and Zelle offer buyer’s protection?

No, all authorized transactions made through Citi with Zelle will not be covered by a protection program – for example, if you paid for a defective or undelivered item, Citi or Zelle will not be responsible for reimbursement

Can I still cancel the payment after I sent it through Zelle?

Once the money is sent, you cannot cancel the transaction anymore. You can only cancel the payment if your recipient has not finished enrolling with Zelle. In this case, the status is still pending so you still have the chance to call your bank and stop payment

If you are dissatisfied with a paid product or service, contact the seller or provider immediately and request for money back.

Since transactions are not covered by a purchase protection program, refrain from sending money to people you do not know and be on guard against online scammers.

Can I send money to someone who is not enrolled with Zelle?

Yes, your recipient will get a payment notification requesting him/her to enroll with Zelle to complete the transfer. After enrolling, it will take one to three business days for the money to get credited to your recipient’s bank account

How long does it take for the money to be credited to my account after making a money request from someone?

The money will be credited to your account within minutes after the sender accepts your money request.

I have a small business account with Citi, can I use Zelle to transfer funds?

Yes, you can send, request, or receive money via Zelle using your small business account. Log into the Citi Mobile Banking App or Citi Online. Then click “Send Money with Zelle”

Next, accept the terms and conditions and enter your email address or U.S. mobile phone number.

Designate a small business checking account that will be used to receive funds sent through Zelle. Lastly, enter one-time verification code to activate your account.

Who can I send money to through my Citi small business checking account with Zelle?

With this type of account, you can send funds to people who have small business accounts or consumer accounts in banks that have partnered with Zelle.

Currently, Citi does not support money transfers to consumers who are enrolled in the Zelle app but do not have existing bank accounts with Citi or Zelle partner banks.