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Before you go
It’s quick
If you’re both enrolled, the money is sent within minutes.
It’s easy
All you need is the other person’s U.S. mobile number or email address.1
It’s safe
All you need is an email address or U.S. mobile number. No account numbers are shared.
Enroll today so you’re 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
Personal banking
Use Zelle® to split the cost of the check, pay the babysitter, or collect money for a group trip.
Business banking
Zelle® makes it easy to accept payments from customers or pay eligible vendors and suppliers.1
How to use Zelle®
Use this interactive demo to learn the ins and outs of Zelle®.
Personal FAQs
You can send, request, or receive money with Zelle®. To get started, log in to Flagstar Online or Mobile Banking and select 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 Flagstar 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 Flagstar.
- 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.
No, Zelle® payments cannot be reversed.
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 with canceling the pending payment.
If the person you sent money to 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 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 to determine what options are available.
No, Flagstar does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Zelle® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the Flagstar app. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.
To send money, log into the Flagstar app. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, 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.
Please contact us at 888-248-6423 . Qualifying imposter scams may be eligible for reimbursement.
Business FAQs
Eligible accounts can send, receive, or request money with Zelle®. To get started, log into the Flagstar app . In the main menu, select "Transfer and Pay". Then "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
To receive money using Zelle® with a 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 account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.
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®).1
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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
No, Flagstar does not charge any fees to use Zelle® with a small business account.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed.
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 888-248-6423 for assistance.
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 us at 888-248-6423 so we can help you.
Keeping your money and information safe is a top priority for Flagstar. When you use Zelle® within Flagstar Online or Mobile Banking, your information is protected with the same technology we use to keep your Flagstar account safe.
Please call Flagstar at 888-248-6423 so we can help you.
You will be able to use Zelle® with a Flagstar business checking or savings account.
Simply log in to Flagstar Online or Mobile Banking and select Send Money with Zelle®. Then, enter an email address or U.S. mobile number to connect to your small business bank account. 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, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
Please read the updated terms and conditions provided by Flagstar.
To locate your Zelle® QR code, log into the Flagstar app. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.
To send money, log into the Flagstar app. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, 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.
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Open an account
Find the personal checking or savings account that’s right for you, then apply online or at a branch. Visit a branch to open a business account.
Download Flagstar Mobile Banking2,3
Take your account with you wherever you go.
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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.