Zelle®



This is how money moves.®

Introducing Zelle® – a fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the CBOTS mobile app. Zelle makes it easy to send money to, or receive money from, people you trust – no matter where they bank2.

Find Zelle here in your CBOTS app.

Download our App to start using Zelle

Android App Apple App

 


Send money the way it was meant to be sent.

FAST

SAFE

EASY

Send money directly from your bank account to theirs – typically in minutes.1

 

Send or receive money right from your The Mobile Way app.

 

Send money with just a few taps using just an email address or U.S. mobile phone number2.

 

Find Zelle in your The Mobile Way app.

Log in and go to your accounts. Scroll down and press the + (plus) sign, look for and  select  “Zelle®“. Then, enroll with your U.S. mobile number or email address to get started.

 


Send.

Select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional memo, review, then hit “Send.”

 


Request.

Send your friend a request and a way to pay you back directly with Zelle. Just enter their U.S. mobile number or email address, the amount they owe you, and hit send (if your friend isn’t enrolled yet, you can only send a request using their email address). When your friend responds, the money will appear in your CBOTS Bank account.

 


Split.

Zelle makes it easy to quickly split the bill with a built-in calculator. Just tap the ‘split’ button, select the people in your group and enter the total amount you want to split. Zelle sends a request to everyone for their share (If your friend isn’t enrolled yet, you can only send a request using their email address).

 

 

Send money in the moment.

FOR BIRTHDAY DINNERS WITHOUT THE MATH
YOUR STUDENT NEEDS JUST ONE MORE BOOK
FOR SQUARING- UP AT THE END OF THE NIGHT

Split the cost of the bill and get paid in a flash.¹

When life’s unexpected obstacles get in the way, you don’t want your money off track as well.

Your friend opened the tab, but you can still settle-up at the end of the night.¹ And so can almost anyone with a bank account in the U.S.


Zelle  FAQ

 

What is Zelle?

See Answer
Zelle is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.  

Who can I send money to with Zelle?

See Answer
You can send money to friends, family and others you trust2. Since money is sent directly from your bank account to another person’s bank account within minutes1, 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.

How do I use Zelle?

See Answer
You can send, request, or receive money with Zelle. To get started, log into CBOTS mobile app and select “Send Money with Zelle®”.  Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept 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 phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1. To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

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

See Answer
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, typically within minutes1. If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Citizens Bank of the South.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money.

What types of payments can I make with Zelle?

See Answer

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2. Since money is sent directly from your 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 CBOTS nor Zelle offer 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.

Are there any fees to send money using Zelle?

See Answer
CBOTS does not charge any fees to use Zelle4.

How do I get started?

See Answer
It’s easy — Zelle is already available within CBOTS mobile banking app. Check our app and follow a few simple steps to enroll with Zelle today.

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

See Answer
You can find a full list of participating banks and credit unions live with Zelle here. If your recipient’s bank 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.

How does Zelle work?

See Answer
When you enroll with Zelle through the CBOTS app, your name, the name of your bank and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with CBOTS).  When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies CBOTS of the incoming payment. CBOTS then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle internationally?

See Answer
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

Can I cancel a payment?

See Answer
If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again. 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 1-877-99-CBOTS so we can help you.

How long does it take to receive money with Zelle?

See Answer
Money sent with Zelle is typically available to an enrolled recipient within minutes1. If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes1. If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number. If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number. Still having trouble? Please give the CBOTS customer support team a call toll-free at 1-877-99-CBOTS or get in touch through our support page.

Will the person I send money to be notified?

See Answer
Yes! They will receive a notification via email or text message.

Is my information secure?

See Answer
Keeping your money and information safe is a top priority for CBOTS.  When you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

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

See Answer
If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither CBOTS nor Zelle offer 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.

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

See Answer
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Citizens Bank of the South so you can use it for Zelle. Once customer support moves your email address or U.S. mobile phone number, it will be connected to your CBOTS account so you can start sending and receiving money with Zelle through the CBOTS mobile banking app. Please call CBOTS customer support toll-free at 1-877-99-CBOTS for help.

 

Enroll with Zelle and get your money moving.

Unlock more convenience from your mobile banking app by using Zelle. Enjoy the benefits of a fast, safe and easy way of sending and receiving money in minutes.1

Download Our App

Apple App Android App
Go to Online Banking Login

 


1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.

3 To send payment requests or split payment requests, the U.S. mobile number being used must already be enrolled with Zelle.

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