Zelle® For Small Business

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 Citizens Business Bank account with just your email address or U.S. mobile number.³

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log in to Citizens Business Bank’s online banking or mobile app and select “Send Money With Zelle^®.” Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, 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.³ 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, confirm the recipient is correct and tap “Request.”³

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.

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.

Zelle^® QR code provides peace of mind knowing you can send and receive money without typing an email address or U.S. mobile number. Find Zelle^® in our mobile 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, 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.

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.

You can also locate your Zelle^® QR code by opening our mobile app, navigating to “Send Money with Zelle^®” and clicking your Zelle^® settings. From here, you can see your Zelle^® QR code in the “Profile” tab.

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

Citizens Business Bank does not charge fees to send or receive money with Zelle^®. However, a $12.00 stop payment fee may apply if you cancel a Zelle^® transaction that is pending because the recipient has not yet enrolled. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier’s messaging and data rates may apply when using Zelle.^®3

Keeping your money and information safe is a top priority for Citizens Business 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 Citizens Business Bank account safe.

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

Read the updated terms and conditions that were provided by Citizens Business Bank. Any of your email addresses or U.S. mobile numbers associated with a business account will be recognized as businesses in Zelle^®. There’s no need to re-enroll or take additional action to continue using Zelle^®. Your current activity, pending payments, and recurring payments will not be affected.

Simply log into Citizens Business Bank’s online banking or 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.³

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.

No, Zelle^® does not integrate 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.

To determine whether your small business is eligible to use Zelle^®, log in to online banking or the mobile banking app and look for Zelle^®. If you are able to enroll with Zelle^® using your small business checking account, then you are able to use Zelle^®.

Please call Citizens Business Bank at 888.228.2265 so we can help you.

In order to use Zelle^®, the sender’s and recipient’s bank or credit union accounts must be based in the U.S.

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 do not see this option available, please call us at 888.228.2265 for assistance with canceling the pending 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 try to send money to a consumer who is enrolled in the Zelle^® app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending or receiving money to users enrolled in the Zelle^® app.

If you sent money to the wrong person, please immediately call us at 888.228.2265 so we can help you.

Your limits should have been disclosed at enrollment. If you have questions about your limits, call our Customer Service Line at 888.228.2265.

At Citizens Business Bank, there are no limits to the amount of money you can receive with Zelle^®; however, the person you are sending money to may have limits. The amount of money someone can send varies by their financial institution.