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Send Money with Zelle®

Use Zelle® to send and receive money with people you trust, even if they bank somewhere else.1


Send money whenever and wherever

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It’s quick.

If you’re both enrolled, the money is sent within minutes.1


It’s easy.

All you need is the other person’s U.S. mobile number or email address.1

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It’s always available.

You can use Zelle® to send and receive money anytime with online and mobile banking.1

Enroll today so youre ready to send money with Zelle®

It's easy to enroll, and you can start adding people right away. You don't need anyone's bank information—a valid U.S. mobile number or email address will do just fine.1

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Send money to people you trust.

Key word: trust. The only time you can cancel a payment is if the recipient hasn’t yet enrolled with Zelle®.

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Request money from family, friends, and others.

They will receive a text message or email so they can pay you right away.

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Split the cost of dinner, gifts, and bills.

Zelle® will even do the math for you. 

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Your money travels safely

With the advanced security features you already know and trust from Flagstar

How to use Zelle®

Use this interactive demo to learn the ins and outs of Zelle®.


You can send, request, or receive money with Zelle®. To get started, log in to Flagstar Online or Mobile Banking and select 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 Flagstar account, typically within minutes.


If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:


  1. Click on the link provided in the payment notification you received via email or text message.


  2. Select Flagstar.


  3. 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.


Keeping your money and information safe is a top priority for Flagstar. When you use Zelle® within our Online or Mobile Banking, your information is protected with the same technology we use to keep your Flagstar account safe.

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 Flagstar 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 Flagstar 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.

Some small businesses can receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from our Online or Mobile Banking using just their email address or U.S. mobile number.


Neither Flagstar nor Zelle® offers purchase protection for payments made with Zelle®, so you should only send money to people (and small businesses) you trust.

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

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 us at 888-248-6423 for assistance.


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 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 us at 888-248-6423 so we can help you.

No, Flagstar does not charge any fees to use Zelle® in our mobile app.


Your mobile carrier's messaging and data rates may apply.

You can find a full list of participating banks and credit unions live with Zelle® at


If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.


To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit card.

Bank anytime, anywhere. Enroll in Mobile Banking today.

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Download Flagstar Mobile Banking2,3

Take your account with you wherever you go.



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1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

2Not all devices supported. Available for eligible personal and business deposit account customers only.

3Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

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