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Special Announcement:

Zelle® is a convenient way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you.1 Use Zelle® to gift money, pay the sitter, or split the cost of a night out.

EASY

Send your friends money right from the ACU of Texas mobile banking app, no matter where they bank.1

FAST

Money gets sent straight from your account to theirs and is available to spend in minutes.1

SAFE

All you need is an email address or U.S. mobile number. No account numbers are shared.

Send and receive money with Zelle.


ENROLL TODAY AND SEND MONEY TO FRIENDS AND FAMILY:

  1. Log in to the ACU of Texas Mobile Banking app
  2. Select Send Money with Zelle® from the Transfers tab
  3. Enroll your U.S. mobile number or email address

You're ready to start sending and receiving money with Zelle®. See who else is using Zelle®. Their name appears in your Zelle® contact list with a "Z" logo on their profile picture. Net time you need to be paid back, ask for Zelle®!

Zelle® FAQs

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into Associated Credit Union of Texas's Mobile App or Online Banking. From the menu, select Transfers, then choose "Send money 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 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,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

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 Associated Credit Union of Texas 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 Associated Credit Union of Texas.
  • 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 safe is a top priority for Associated Credit Union of Texas. When you use Zelle® within Digital Banking, your information is protected with the same technology we use to keep your Associated Credit Union of Texas account safe.

Who can I send money to with Zelle®?

Zelle® is a great way to send money to trusted family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your Associated Credit Union of Texas account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family 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).

Neither Associated Credit Union of Texas nor Zelle® offers 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.

Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Associated Credit Union of Texas Mobile App using just their email address or U.S. mobile number.

Neither Associated Credit Union of Texas nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, 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 or credit union accounts must be based in the U.S.

Are there any fees to send money using Zelle®?

No, Associated Credit Union of Texas does not charge any fees to use Zelle® in the Associated Credit Union of Texas Mobile App.

Your mobile carrier’s messaging and data rates may apply. Mobile network carrier fees as well as applicable service, penalty and account fees outlined in our Fee Schedule still apply (i.e. Courtesy Pay, Stop Payment and NSF Fees).

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

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

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We pass the savings back to our membership in the form of lower loan rates, higher savings rates and improved service.

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