Zelle^® is a fast, safe and easy way for small businesses to send, receive, and request money typically within minutes³ with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your Provident Credit Union account with just your email address or U.S. mobile number.

To get started, small business accounts must first upgrade to Provident’s business banking platform before they can send, receive, or request money with Zelle^®. To request an upgrade to Provident’s business banking platform, sign on to online or mobile banking, navigate to "Messages & Forms" > "Secure Forms," and then select the “Zelle and External Transfers for Small Business” form. Please review and submit the form. A Provident Credit Union representative will grant access within 1-3 business days and send confirmation that the service has been added.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into online banking or our mobile banking app, navigate to "Zelle^®". To Enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it, and you're ready to start sending and receiving 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.³

If the small business or consumer you send money to has already enrolled with Zelle^® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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.

To receive money using Zelle^® with a small business 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 small business account, click "Send Money with Zelle^®," select "Request," enter the individual's email address or U.S. mobile number, confirm the recipient is correct and tap "Request."

If your customer is using Zelle^® through their banking app, they’ll be able to pay you with Zelle^®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle^® app, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

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^®).⁴
• Download Zelle^® marketing assets for free from zellepay.com and add them to your website, social media and more!

Please note, you’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s banking app. You will not be able to receive payments from consumers enrolled in the Zelle^® app.

Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing an email address or U.S. mobile number. Find Zelle^® in the Provident Credit Union app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your phone’s camera will open up. To send money, 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. 

To locate your own Zelle^® QR code, click the “My Code” tab. From here, you can view your QR code and use the print and share icons to text, email or print your Zelle^® QR code. 

You can also locate your Zelle^® QR code by opening the Provident Credit Union app, select “Zelle^®” from the “Transfers” menu. From here, you’ll see your Zelle^® QR code in the “My Code” tab.
 

Neither Provident Credit Union nor Zelle^® offers purchase protection for payments made with Zelle^®.

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their banking app don't need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle^® app.³

Keeping your money and information safe is a top priority for Provident Credit Union. When you use Zelle^® within our online banking or mobile app, your information is protected with the same technology we use to keep your Provident Credit Union account safe.

To determine whether your small business account is eligible to enroll with Zelle^®, please log into Provident Credit Union's online banking or mobile app and select "Send Money With Zelle^®". If you are able to enroll with Zelle^® using your small business account, then your small business is eligible to use Zelle^® with Provident Credit Union.

No, Provident Credit Union does not charge a fee to use Zelle^® with a small business account.

Please call Provident Credit Union at (800) 632-4600 so we can help you.

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 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 contact our customer support team at (800) 632-4600 for assistance with canceling the pending payment.

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 try to send money to a consumer who is enrolled in the Zelle^® app, the payment won't go through and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending or receiving money to users enrolled in the Zelle^® app.

If you sent money to the wrong person, please immediately call our customer support team at (800) 632-4600 so we can help you.