Get Paid With Zelle^®

Eligible small business customers are now able to send and receive payments with Zelle^®1. More convenient than cash and checks, Zelle^® offers a fast and easy way to receive payments from customers¹ you trust, directly to your bank account. 

Zelle^® FAQs

What is Zelle^®?

Zelle^® is a fast, safe 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 Fulton 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 into Fulton Bank’s online banking or mobile app and select “Send Money with Zelle.^®”

• Enter your email address or U.S. mobile number, accept the terms and conditions, and you’re ready to start sending and receiving money 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
• If the small business or consumer you send money to has already enrolled with Zelle^® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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.
• 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^® with a small business account, click “Send Money with Zelle^®,” select “Request,” enter the individual’s email address or U.S. mobile number, and confirm the recipient is correct and tap “Request.”²
• If your customer is using Zelle^® through their banking app, they’ll be able to pay you with Zelle^®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle^® app, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

How do I tell my customers they can pay 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
• Download Zelle^® marketing assets for free from zellepay.com and add them to your website, social media and more!

Please note: You’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s banking app. You will not be able to receive payments from consumers enrolled in the Zelle^® app.

Does Zelle^® or Fulton Bank offer purchase protection?

Neither Fulton Bank nor Zelle^® offers purchase protection for payments made with Zelle^®.

Are there any fees to use Zelle^® with a small business account at Fulton Bank?

No, Fulton Bank does not charge a fee to use Zelle^® with a small business account.

Is my information secure?

Keeping your money and information safe is a top priority for Fulton Bank. When you use Zelle^® within our online banking or mobile app, your information is protected with the same technology we use to keep your Fulton Bank account safe.

Are there any differences in the experience between using Zelle^® with my personal bank account versus my small business account?

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle^® app.¹

I already use Zelle^® through my personal bank account. How do I enroll to use Zelle^® with my small business bank account?

If you already use Fulton Bank’s Small Business Online Banking service, simply log into online banking or the mobile app and select “Send Money with Zelle^®.” Then, enter an email address or U.S. mobile number to connect to your small business bank account.

If you haven’t already done so, register for Small Business Online Banking.

Important note: If you already use Zelle^® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

If I use Zelle^® for my small business, will Zelle^® integrate with software?

No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.

How do I know if my small business is eligible to use Zelle^®?

Small Business checking accounts are eligible to use Zelle^®. You must be registered for Fulton Bank’s Small Business Online Banking prior to using Zelle^® for your small business account.

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.

Who should I call if I have questions or need help?

Please call Fulton Bank at 1.800.FULTON4 (1.800.385.8664) so we can help you.

Can I cancel a payment?

You can only cancel a payment if the small business or consumer 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 send money to a small business or consumer that has already enrolled with Zelle^® through their bank or credit union’s mobile app, 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 1.800.877.8021 (from 7:00 am – 1:00 am ET, daily) so we can help you.