Zelle® FAQs

Zelle® Frequently Asked Questions

  • What is Zelle®?
  • Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile number, you can send money to people you trust, regardless of where they bank.1
  • How do I use Zelle®?
  • You can send, request or receive money with Zelle®. To get started, log into Lake City Bank Digital and select Send Money with Zelle® from the Transfers/Payments menu. Follow the prompts to enter the necessary information and accept the terms and conditions, and 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 and 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 Lake City Bank account, typically within minutes.
  • 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 number may already be enrolled with Zelle® at another bank or credit union. If you would like to move your email address or U.S. mobile number from the financial institution where you initially enrolled with Zelle®, simply click Transfer when prompted during the Zelle® enrollment process and confirm your desired changes.

    Once you transfer your email address or U.S. mobile number, it will be connected to your bank account at the financial institution you selected, and you can start sending and receiving money with Zelle® right away.
  • Is my information secure?
  • Keeping your money and information safe is a top priority for Lake City Bank. When you use Zelle® within Lake City Bank Digital, your information is protected with the same technology we use to keep your Lake City Bank account safe.
  • Who can I send money to 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.1

    Since money is sent directly from your Lake City Bank account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

    Neither Lake City Bank 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 Lake City Bank Digital using just their email address or U.S. mobile number.

    Neither Lake City Bank 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 the Lake City Bank One Call Center at (888) 522-2265 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, please immediately call the One Call Center at (888) 522-2265 so we can help you.
  • Are there any fees to send money using Zelle®?
  • No, Lake City Bank does not charge any fees to use Zelle® in Lake City Bank Digital.
  • 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 Lake City Bank send limits, call our One Call Center at (888) 522-2265.

    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.


1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Must be age 16 to use Zelle®

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