No, Flagstar does not charge a fee to use Zelle.

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

If they haven’t enrolled yet, they will receive instructions when you send your payment. They must have a U.S. bank account to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.

If your payment is pending, confirm that the recipient has enrolled with Zelle and that you entered the correct email address or U.S. mobile number.

If you’re waiting to receive money, check your email or phone for a payment notification. If you haven’t received one, follow up with the sender to make sure they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call Flagstar Customer Support at 888-248-6423.

After you enroll with Zelle, you can send money to people you trust if you have their email address or U.S. mobile number. Transactions typically occur in minutes if you're both already enrolled. Remember, you can’t cancel a payment once you send it, so make sure you have the correct information for the other person.

• Log into online or mobile banking.
• Select the Pay and Transfers menu then Send Money With Zelle.
• On the next screen, add a new contact or choose an existing one.
• Enter a dollar amount and date to send it.
• Review your transaction, add a note if you wish, then select Send.

You may have already enrolled with Zelle at another bank or credit union. A mobile number or email address can only be connected to one financial institution with Zelle.

It's easy to resolve, though. Simply call the other bank or credit union and ask them to deactivate your mobile number or email from Zelle.

Zelle can be a great way to send money to family, friends, and people you trust. The other person needs to have a U.S. bank account and enroll in Zelle, too. If they’ve already enrolled, transactions typically occur in minutes. If they haven’t enrolled yet, they will receive instructions when you send your payment.

Use Zelle to pay your share of a group lunch or group gift. Did someone else book the next family outing? Settle up securely with Zelle. You can also use Zelle instead of writing a check or getting cash to pay your babysitter, house cleaner, personal trainer, or dog walker. 

Just be sure you only send money to people you trust because you can’t cancel a payment after you send it. 

Also know that scammers often pretend to be from a bank or digital payment app to get to your money. If you receive a call, text, or email from someone claiming to be from Flagstar Bank or Zelle, contact your local Flagstar branch directly or call us at 888-248-6423. 

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, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This 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 send money only 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 Flagstar Customer Support at 888 248-6423 so we can help you.