How do I enroll and use Zelle®?
You can send, request or receive money with Zelle®.
• To start using Zelle® at Security Savings Bank, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by accessing our website and logging in to Online Banking. Locate the Payments tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access “Send Money With Zelle®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.
• Note: Zelle® enrollment is not currently available through the mobile app; however, you will be able to access Zelle® with the mobile app once enrolled.
• To send money using Zelle®, simply 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 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 to request, 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 account, typically within
minutes.
How do I receive money that someone sent me 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 bank account and will be available typically within minutes.
1. Click on the link provided in the payment notification you received via email or text message.
2. Select Security Savings Bank
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 where you received the notification to ensure you receive your money.
Is my information Secure?
Keeping your money and information safe is a top priority for Security Savings Bank. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
Who can I send money to with Zelle®?
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 bank account to another person's bank account within minutes,1 Zelle® should only be used to send money to friends, family, and others you know and 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).
What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?
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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Can I reverse or cancel a payment?
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 our customer support team at 309-734-9333 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 or online banking, 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 our customer support team at
309-734-9333 to determine what options are available.
What are scheduled and recurring payments?
We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Security Savings Bank but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Are there any fees to send money using Zelle®?
Security Savings Bank does not charge fees to send or receive money with Zelle®, but there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. Your mobile carrier’s messaging and data rates may apply.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is
set by each participating financial institution. To determine Security Savings Bank send limits, call our customer service at 309-734-9333.
There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
How do I use a Zelle® QR code?
Zelle® QR codes provide peace of mind, knowing you can send and receive money to the right person without typing an email address or U.S. mobile number. To locate your Zelle® QR code, log in to the Security Savings Bank - Mobile app, click “Send Money With Zelle®.” Next, go to your “Zelle® settings” and click “Zelle® QR code,” and your QR code will be displayed under “My Code.” From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log in to the Security Savings Bank - Mobile app, click “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.
I believe I have been a victim of a scam. Whom should I contact?
Please contact our customer support team at 309-734-9333. Qualifying imposter scams may be eligible for reimbursement.
Does Security Savings Bank or Zelle® offer purchase protection?
Neither Security Savings Bank 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.
