Using Zelle®

Zelle® is a fast, safe, and free1 way to send money to friends and family

zelle logo

PenFed and Zelle® Together

We have partnered with Zelle® to bring you a fast, safe, and easy way to send and receive money with friends, family, and other people you trust.1 PenFed will never request that you send money with Zelle®.

Zelle® is available right from your mobile or online account, so you don’t need to download anything new to start sending and receiving money!3

How to start using Zelle®

Select "Send Money with Zelle®"

Select your U.S. mobile number or email address and account

That’s it! You’re ready to start sending and receiving money with Zelle®.

Using Zelle® is:


Send money directly from your account to theirs, typically in minutes1


Send money using just their U.S. mobile number or email address


There are no fees to send money with Zelle® from our online or mobile banking app2

Watch the video to learn more about Zelle®!

How to Pay it Safe with Zelle®

Only Send Money to Those You Trust

With Zelle®, you can send money from your account to someone else's within minutes1. It's a great way to pay friends, family, coworkers and almost anyone else you trust, but it shouldn't be used to pay strangers.

Beware of Payment Scams

If a deal sounds too good to be true, it probably is. Neither PenFed nor Zelle® offers a protection program for authorized payments, so only use Zelle® to pay people you know and trust. PenFed will never ask you to send money with Zelle®.

Treat Zelle® Like Cash

Money moves fast - directly into the enrolled recipient's account. Always double check you have the recipient's correct U.S. mobile number or email address, so the money goes to the right person.


What is Zelle®?

How do I use Zelle®?

How do I get started?

What if I get an error message when I try to enroll an email address or U.S. mobile number?

How does Zelle® work?

Is my information secure?

Who can I send money to with Zelle®?

I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

What types of payments can I make with Zelle®?

Can I pay a small business with Zelle®?

Can I use Zelle® internationally?

I am based in Puerto Rico and am experiencing issues enrolling in Zelle®. What should I do?

Can I cancel a payment?

Are there any fees to send money using Zelle®?

Are there any limits for sending and receiving money with Zelle®?

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

Will the person I send money to be notified?

Someone sent me money with Zelle®, how do I receive it?

How long does it take to receive money with Zelle®?

What if my contact information is already in use for Zelle® at another financial institution?

How do I remove a mobile number or email address or enroll a different number or email address?

I have not received the money that was sent to me. What should I do?

I am not receiving Zelle® alerts. How do I enroll in Zelle® alerts?

What should I do if I don’t have enough money in my account to cover the amount I would like to send?

PenFed Mobile App

Don’t have our mobile app? Download it for free:


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

2Mobile network carrier fees may apply.

3Eligible PenFed savings or checking account required.  Age and other restrictions may apply.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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