Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.¹ With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank.² Ask your recipient to enroll with Zelle before you send them money. This will help them get your payment more quickly.

When you enroll with Zelle through Flagstar Online or Mobile Banking, your name, the name of your bank and your email address or U.S. mobile number you enrolled with is shared with Zelle. (No sensitive account details are shared – those stay with Flagstar Bank.)

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its directory and notifies your bank of the incoming payment. Flagstar Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

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

Zelle is available through Flagstar Bank Online and Mobile Banking. Log in to your account and look for Send Money with Zelle^®, then follow a few simple steps to enroll with Zelle.

You can send, request, or receive money with Zelle. Log in to Flagstar Bank Online or Mobile Banking and select Send Money With Zelle^®. (If you haven’t already enrolled with Zelle, log in to online banking, select the Pay and Transfers menu, then choose Send Money with Zelle^®.) 

To send money, add a trusted recipient’s email address or U.S. mobile phone number, enter 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 request money, choose Request, select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review, and hit Request.⁴

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team at (888) 248-6423 and ask them to move your email address or U.S. mobile phone number to Flagstar Bank so you can use it for Zelle.

Zelle is a great way to send money to family, friends, and others you trust such as your personal trainer, babysitter or neighbor.²

Since money is sent directly from your bank account to another person’s bank account within minutes,¹ Zelle should not be used to send money to people you don’t know or trust.

Neither Zelle nor Flagstar Bank offer a protection program for any authorized payments made with Zelle – for example, if you make a purchase using Zelle but you do not receive the item or the item is not as described or as you expected.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.¹

If 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 Bank as your bank.

3. Follow the instructions to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification. Be sure to enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money.