Zelle & Zelle for Business
Zelle® is a fast, safe and free way to send money to friends and family!
Zelle is available right from your online and mobile banking account and conveniently located in the same place where you pay your bills.
It is easy to get started. Simply log in to your online banking account and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the “Send Money with Zelle“ tab.
Enroll with Zelle and start sending and receiving money with friends and family!
How to start using Zelle
- Enroll or log in to Bill Pay
- Select “Send Money with Zelle“
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
That’s it! You’re ready to start sending and receiving money with Zelle.
Using Zelle Is:
FAST
SAFE
FREE
Watch the video to learn more about Zelle!
Personal FAQs
HOW DO I USE ZELLE?
You can send, request or receive money with Zelle. To get started, log in to the FNB Waterloo or online banking. In the main menu, select “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, then 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,” enter the enrolled email address, U.S. mobile number or Zelle tag, enter the amount and tap “Request.”
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 First National Bank of Waterloo account, typically within minutes.
If someone sent you money with Zelle, and you have not yet enrolled with Zelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select First National Bank of Waterloo.
- 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.
IS MY INFORMATION SECURE?
Keeping your money and information secure is a top priority for First National Bank of Waterloo. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.
WHOM 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 First National Bank of Waterloo account to another person’s bank account within minutes,1 Zelle should only be used to send money to family, friends and others you trust.
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. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE FINANCIAL INSTITUION DOESN’T OFFER ZELLE?
As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
DOES FIRST NATIONAL BANK OF WATERLOO OR ZELLE OFFER PURPCHASE PROTECTION?Neither First National Bank of Waterloo nor Zelle offers purchase protection for 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. Only send money to people and small businesses you trust and 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 accounts or credit union accounts must be based in the U.S.
CAN I REVERSE OR CANCEL A PAYMENT?
No, Zelle payments cannot be reversed. 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 our customer support team at 888-231-3165 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle through their bank or credit union’s mobile app or online banking, 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 know and 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 our customer support team at 888-231-3165 to determine what options are available.
ARE THERE ANY FEEDS TO SEND MONEY USING ZELLE?
No, First National Bank of Waterloo does not charge any fees to use Zelle in the FNB Waterloo. Your mobile carrier’s messaging and data rates may apply.
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 First National Bank of Waterloo send limits, call our customer support team at 888-231-3165.
At First National Bank of Waterloo, 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.
HOW DO I USE A ZELLE QR CODE?
Zelle QR code provides peace of mind, knowing you can send and receive money to the right person without typing an email address or U.S. mobile number.
To locate your Zelle QR code, log in to the FNB Waterloo and click “Send Money with Zelle.” Next, go to your “Zelle settings” and click “Zelle QR code,” and your QR code will be displayed under “My Code.” From here you can view your QR code and use the print or share icons to text, email or print your Zelle QR code. To receive money, share your Zelle QR code.
To send money, log in to the FNB Waterloo, click “Send money with Zelle,” click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, 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.
I BELIEVE I HAVE BEEN A VICTIM OF A SCAM. WHOM SHOULD I CONTACT?
Please contact our customer support team at 888-231-3165. Qualifying imposter scams may be eligible for reimbursement.
Small Business FAQs
WHAT IS ZELLE?
Zelle is a fast, secure and easy way for small businesses to send, receive and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle within their financial institution’s banking app, they can send payments directly to your First National Bank of Waterloo bank account with just your email address or U.S. mobile number.
HOW DO I USE ZELLE WITH A SMALL BUSINESS ACCOUNT?
Eligible small business accounts can send, receive or request money with Zelle. To get started, log in to online banking or our mobile banking app and navigate to the “Send Money with Zelle”. To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you’re ready to start sending and receiving with Zelle.
To send money with 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, then hit “Send.” In most cases, the money is available to your recipient in minutes.1
To receive money using Zelle with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle, you will receive your money directly into your enrolled bank account.
To request money using Zelle, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle tag, confirm the recipient is correct and tap “Request.”
HOW DO I TELL MY CUSTOMERS THAT THEY CAN PAY ME WITH ZELLE?
There are a few ways you can encourage your customers to pay you with Zelle:
- Tell customers verbally that you accept payments with Zelle and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle” or “Pay me with Zelle.”
- Use Zelle to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle).2
DOES ZELLE OR FIRST NATIONAL BANK OF WATERLOO OFFER PURCHASE PROTECTION?
Neither First National Bank of Waterloo nor Zelle offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
ARE THERE ANY FEES TO USE ZELLE WITH A SMALL BUSINESS ACCOUNT AT FIRST NATIONAL BANK OF WATERLOO?
No, First National Bank of Waterloo does not charge any fees to use Zelle with a small business account. Your mobile carrier’s messaging and data rates may apply.
HOW DO I KNOW IF MY SMALL BUSINESS IS ELIGIBLE TO USE ZELLE?
Eligible small business accounts can send, receive or request money with Zelle. To get started, log in to First National Bank of Waterloo’s online banking or mobile app. In the main menu, select “Zelle”. If you don’t see Zelle, please call our customer support team at 888-231-3165.
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 REVERSE OR CANCEL A PAYMENT?
No, Zelle payments cannot be reversed. 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 our Digital Solutions support team at 888-231-3165 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 know and 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 our Digital Solutions support team at 888-231-3165 to determine what options are available.
HOW DO I USE A ZELLE QR CODE WITH MY SMALL BUSINESS ACCOUNT?
Zelle QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle QR code, log in to the FNB Waterloo. In the main menu, select “Zelle”. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle QR code.
To send money, log in to the FNB Waterloo. In the main menu, select “Zelle”. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, 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.
I BELIEVE I HAVE BEEN A VICTIM OF A SCAM. WHOM SHOULD I CONTACT?
Please contact our customer support team at 888-231-3165. Qualifying imposter scams may be eligible for reimbursement.
IS MY INFORMATION SECURE?
Keeping your money and information secure is a top priority for First National Bank of Waterloo. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.
Don’t have our mobile app?
Download it for free:
1 Mobile network carrier fees may apply
2 To send or receive money with Zelle, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur within minutes.
3 Payment requests can only be send to enrolled Zelle users.
Copyright © 2026 First National Bank of Waterloo. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
First National Bank of Waterloo
228 S Main Street
Waterloo, IL 62298
618-939-6194
