About Zelle FAQs
Money sent with Zelle® is typically available to an enrolled recipient within minutes1.
If it has been more than three days, we recommend confirming that you have fully enrolled your Zelle® profile, and that you entered the correct email address or U.S. mobile number and provided this to the sender.
If you’re using Zelle® through Gather FCU's mobile app or online banking, please contact us at (808) 245-6791.
You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. You can go to your activity page within the Zelle® experience, choose the payment you want to cancel, and then select “Cancel This Payment.”
If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s 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 are using Zelle® through your Gather FCU mobile banking app, please contact Gather FCU at (808) 245-6791 to cancel your Zelle® service.
Using Zelle® FAQs
It’s easy — Zelle® is already available in your Gather FCU mobile banking app or online banking! Check your mobile banking app or sign-in to your online banking site and follow a few simple steps to enroll your Zelle® profile. You can find a list of participating banks and credit unions offering Zelle®.
If your bank or credit union offers Zelle®, you can send money to people you know and trust with an eligible bank account in the U.S.
Don’t know if your bank offers Zelle®? Check here to see if they offer Zelle®.
The Gather FCU daily sending limit is $500.00.
If you’re using Zelle® through Gather FCU’s mobile app or online banking, please contact Gather FCU at (808) 245-6791 for help changing accounts.
Zelle® is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions, which are potentially high risk.
Zelle® does not offer a protection program for any authorized payments made with Zelle® - for example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described or as you expected.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes1.
If you have not yet enrolled your Zelle® profile, follow these simple steps:
- Click on the link provided in the payment notification.
- Select Gather FCU.
- Follow the instructions provided on the page to enroll and receive your payment.
Note: Make sure you check that the email address or U.S. mobile number that you provided to the sender is enrolled with Zelle®. If you provided an email address or U.S. mobile number that is not yet enrolled with Zelle®, contact Gather FCU (808) 245-6791 to register your email address or U.S. mobile number that your sender used to send the payment with Zelle®.
Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.
- Find Zelle® in your banking app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen.
- Your phone’s camera will open.
- To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way!
When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
How do I find my own Zelle® QR code?
To locate your own Zelle® QR code, click the “My Code” tab. From here you can view your QR code and use the print and share icons to text, email or print your Zelle® QR code.
Note: The QR code is not available at all Financial Institutions.
After scanning a Zelle® QR code and landing on zellepay.com, I located my financial institution, but it says the ability to use a Zelle® QR code is coming soon. Now what do I do?
Your financial institution will offer Zelle® QR code soon. In the meantime, you can still send money to those you know and trust by opening your banking app and sending money using the recipient's U.S. mobile number or email address.
After scanning a Zelle® QR code and landing on zellepay.com, I located my financial institution, but it says the ability to use a Zelle® QR code is coming soon. I know my financial institution offers Zelle® QR code, so now what?
When in doubt, open your Gather FCU app and navigate to Zelle®. If your bank or credit union offers Zelle® QR code, you will be able to click the QR code icon displayed at the top of the “Select Recipient” screen, scan the QR code and send money. If they do not yet offer Zelle® QR code, you can still send money the way you have before by using the recipients U.S. mobile number or email address.
If the person you’re sending money to hasn’t enrolled yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled.
Once they’ve enrolled their profile, they’ll receive the money directly into the bank account they have associated with their profile. If the recipient doesn’t enroll their Zelle® profile within 14 days, the payment will expire, and the funds will be returned to your account.
First, check the payment status within your payment activity in your bank’s online or mobile service. If the payment status is pending, the recipient may not have enrolled their mobile number or email address to receive the payment. At this point, you have the option to cancel the payment.
If the payment status is completed, then the money is already in the recipient’s bank account. If you aren’t sure of the status of your payment, contact Gather FCU at (808) 245-6791.
These FAQ are for informational purposes and only relate to the Zelle Network®. Zelle® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional.
Does Zelle® report how much money I receive to the IRS?
Zelle® does not report transactions made on the Zelle Network® to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®.
Does Zelle® tax me on money that I receive?
Zelle® is a payment platform. Zelle® does not impose taxes on transactions made on its network. If payments you receive on the Zelle Network® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
Will Zelle send me a 1099K form?
Zelle® does not issue 1099K forms for payments made on the Zelle Network®.
Does Zelle® report any payments I receive over $600 to the IRS?
Zelle® does not report any transactions made on the Zelle Network® to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®. If payments you receive on the Zelle Network® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
I have a small business account. Will Zelle® report how much money I receive to the IRS?
Eligible small businesses can use Zelle® to send and receive money. Zelle® does not report transactions made on the Zelle Network® to the IRS, including payments made for the sale of goods and services. The law requiring certain payment networks to provide forms 1099K for information reporting on the sale of goods and services does not apply to the Zelle Network®. If payments you receive on the Zelle Network® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.
What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?
Troubleshooting/Other FAQs
Gather FCU offers Zelle through online banking. Through online banking you can send and receive money via Gather FCU's online banking site without needing a mobile device.
First, make sure that you are enrolling a Visa® or Mastercard® debit card tied to a bank account in the U.S. You will not be able to enroll business debit cards, credit cards, cards linked to international accounts, gift cards or pre-paid cards from financial institutions outside of the Zelle Network®. The information you are entering for this card (zip code, name, etc.) must match the information that your bank or credit union has about the card. If you believe there is an error with this information, please contact the customer service phone number on the back of your card to have them verify this information for you.
Still getting an error? Some debit cards don’t yet have the capability to receive money in minutes. Those debit cards that are not ‘fast funds enabled’ can’t be used with Zelle®. Your debit card may work in the future as more and more banks and credit unions are enabling their debit cards to have the ability to receive money in minutes. To start using Zelle® now, we recommend trying a different Visa® or Mastercard® debit card from your bank or credit union, or, if you don’t have one, you can try using a debit card from a different bank or credit union.
Please note: We do not currently support debit card accounts linked to addresses based in a U.S. Territory. U.S. Territories include American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands.
First, make sure that you are only enrolling a Visa® or Mastercard® debit card tied to a bank account in the U.S. You will not be able to enroll business debit cards, credit cards, cards linked to international accounts, gift cards or pre-paid cards from financial institutions outside of the Zelle Network®. Next, ensure that the information you are entering matches exactly the information that your bank or credit union has about the card. This includes:
- Name as it appears on your debit card
- Address, city, state, zip code
- Debit card number
- Expiration date
- CVV number
If you’re still experiencing technical difficulties, please call the customer service phone number on the back of your card. Once you have verified the information, please attempt to enroll again.
There are a couple of reasons you may not be able to enroll your U.S. mobile number:
- It is already enrolled with Zelle® at a different bank or credit union
- The phone number you provided is not a U.S. mobile number (international numbers and landlines are not accepted)
- The phone number you are enrolling with begins with 1-800 (1-800 numbers are not eligible to enroll)
If you’re unable to enroll your debit card and receive a message stating “Profile Locked: For security reasons your account has been locked. Please contact customer service,” there are a few things you should do.
First, make sure that you are only enrolling a Visa® or Mastercard® debit card tied to a bank account in the U.S. You will not be able to enroll business debit cards, credit cards, cards linked to international accounts, gift cards or pre-paid cards from financial institutions outside of the Zelle Network®.
Next, ensure that the information you are entering matches exactly what is on file for your debit card with Gather FCU. This includes:
- Name as it appears on your debit card
- Address, city, state, zip code
- Debit card number
- Expiration date
- CVV number
If you’re still experiencing technical difficulties, Gather FCU at (808) 245-6791 to verify the debit card information they have on file. Once you have verified the information, please attempt to enroll again.
Your mobile number or email address may already be enrolled with a bank or credit union that offers Zelle®.
If this is the case, you may re-enroll with the same mobile number or email address within the banking app of the new bank you are enrolling with. Once completed, you may start sending and receiving money with Zelle®. If you aren’t sure where you initially enrolled, contact Zelle® Support at 844-428-8542 or get in touch through our support page at zellepay.com/support/contact.
Can I cancel a payment I made to a small business?
No, not if the small business is already enrolled with Zelle®. Make sure you’re satisfied with the item or service from the small business before you pay because you can’t cancel a payment if you send money to someone already enrolled with Zelle® - because money moves quickly - directly into the recipient's bank account typically within minutes1. You may check with your bank or credit union to see what other options may be available to you. Only send money to small businesses you trust, and always ensure you have the correct email address or U.S. mobile number for the business you're trying to send money to.
How do I know which small businesses I can pay with Zelle®?
The easiest way to find out is to simply ask the business if they accept Zelle®. If they accept Zelle®, you and the business will be able to use the service to send and receive money in minutes1. If the business doesn’t offer Zelle® and you think it would be great if they did, suggest that they check with their bank to see if Zelle® is available as a fast, safe and easy way for them to send and receive money with their customers! And remember: Only send money with Zelle® to friends, family and businesses you trust.
Is there a limit on the amount of money I can send and receive with Zelle®?
Your financial institution determines this. Please reach out to your bank or credit union directly to find out what specific limits they have for their customers.
Knowing your friends, family and those you trust are enrolled with Zelle® is simple, we’ve tagged your contacts that are already using Zelle® with a purple “Z”. Don’t see the purple “Z” on a contact? Not a problem! You can still send them money with Zelle®.
What are my options if I don't want others to see the purple "Z" and know that I'm using Zelle®?
At present, the only option is to unenroll from Zelle®. We don't want to see you leave, but if you've made that decision, please contact your bank or credit union to unenroll with Zelle®.
