What is Zelle®?
Zelle® is a fast, safe, and easy way to send and receive money with friends and family, right from the Artisans' Bank Mobile Banking app. With just an email address or U.S. mobile number, you can send money to people you know and trust, even if they don’t bank with Artisans' Bank
SEND MONEY WITH ZELLE®
THE WAY IT SHOULD BE SENT
Our customers can access Zelle® through the AB mobile banking app (iOS, Android, and Web). Using an email address or U.S. mobile phone number, customers can send money to almost anyone they know and trust who has a bank account in the U.S (also enrolled with Zelle) without sharing sensitive account information.
Ready to get started with Zelle®? Sign up sign for Artisans' Bank Online banking and download the Artisans' Bank Mobile App!
Still need to open a personal account with us? No problem!
THREE WAYS TO ZELLE®
WITH ARTISANS' BANK
Ready to get started? Follow the steps below!
GETTING STARTED WITH ZELLE®
We are excited you would like to get started with Zelle® - here are the steps you need to take!
Step 1
You can use your existing Artisans' Bank checking account. If you do not have one, choose a checking account and open one today.
Step 2
You will need an Artisans' Bank Online Banking ID and the Mobile App downloaded. If you are not currently enrolled, enroll now.
Step 3
Simply tap expand your menu and choose Zelle®. Then, enroll with your U.S. mobile number or email address and the account to send and receive money to get started. You can also enroll by going to www.Zelle.com and following the steps they provide.
FREQUENTLY ASKED QUESTIONS (FAQ)
Is there a minimum age requirement to use Zelle®?
13 is the minimum age.
How long Is A One Time Password (OTP) Valid?
The OTP is valid for 5 minutes from the time it was requested.
How long does a Request for Payment (RFP) last?
If a user sends a request for payment, the request will remain active and outstanding for 14 days (unless a response is received). If a request is still outstanding 8 days after issuance, a reminder notification will be sent to the payee. If there is not a response, the request will expire after 14 days.
How do I cancel a transaction?
If funds are sent to an enrolled token, the transfer of funds occurs in real time and cannot be cancelled. The recipient will have to return the funds, or a dispute can be opened with Artisans' Bank Customer Service to attempt recovery.
If the funds are sent to an unregistered token, this will show as a “pending” transaction in Zelle® until the token is registered. If a transaction shows “pending”, then the sender can go into their activity, open the pending transaction, and cancel it.
If the funds are sent to an unregistered token, this will show as a “pending” transaction in Zelle® until the token is registered. If a transaction shows “pending”, then the sender can go into their activity, open the pending transaction, and cancel it.
Why is there a hold on an account?
If a user sends money, a hold is placed until the money is debited from the account. If a user sends to an unregistered token, the unregistered recipient has 14 days to register the token to receive the funds. If the unknown token is registered within 14 days, the hold will go to memo post and then hard post at the next EOD. If the token is not registered within 14 days, the hold will expire on day 15, and the transaction will fail.
ZELLE® SAFETY 101
No sensitive account details are shared when you send and receive money with Zelle® – only an email address or U.S. mobile number tied to a bank account in the U.S. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle® with people you trust1, and always make sure you are using the correct mobile number or email address!
Here’s how to pay it safe:
1. Only send money to those you trust: Zelle® should only be used with friends, family and others you trust1. Why? Because you can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And if you send money to someone you don’t know, or you do not get what you expected, you may not get your money back.
2. Treat Zelle® Like Cash: While Zelle® and cash are certainly different, both provide the recipient with fast access to the money you send. With Zelle®, money moves directly into the enrolled recipient’s bank account within minutes1. And again, once you authorize a payment to be sent, you can’t cancel it if the recipient is already enrolled.
3. Beware of payment scams: If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam. Zelle® does not offer purchase protection, so pay it safe. Only send money to people you personally know and trust.
4. Confirm your recipient's contact information: Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double check. If you authorize a payment to be sent to the wrong person, you may not get your money back.
5. Understand your payment options: If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your account. Unlike a credit card, Zelle® does not offer purchase protection – for example, if you do not receive the item or the item is not as described or as you expected.
1To send or receive money with Zelle®, both parties must have an eligible and enrolled checking or savings account. Transactions between enrolled consumers typically occur in minutes. Speak with an Artisans' Bank representative or customer service for more details.
Safety 101
FRAUD INFORMATION
What types of fraud are experienced with Zelle®?
The types of fraud being experienced in the Zelle® Network are not new, only the method of getting funds out of the financial institution has changed. You can expect to see account takeover attempts and scammers trying to put phantom tickets up for sale on craigslist.org, just like you do today. Instead of using an ATM, bill pay, or prepaid cards, though, the fraudsters use Zelle® to get the money and disappear. Unauthorized Payments can be mitigated by two-factor authentication, enabled through one- time password (OTP) tokens used today by other mobile banking platforms.
Sending money with Zelle® is like using cash, and consumers should be educated to use the service for sending money to people they know and trust. Participating financial institutions are required to communicate that Zelle® does not offer protection for authorized purchases. Just like ACH, there are no purchase protections in the event a consumer authorized the payment but didn’t receive the good or service. Transactions initiated by the consumer that later turn out to be a scam – when there aren’t tickets for that rock concert-- are not covered by Zelle®. However, this does not prevent financial institutions servicing their customers based on their own policies and procedures. For additional information regarding Artisans' Bank specific policies for fraud, please contact your local branch.
Is Zelle® covered under RegE?
Regulation E provides guidelines for consumers and banks or other financial institutions in the context of electronic funds transfers. These include transfers with automated teller machines (ATMs), point-of-sale transactions, and automated clearing house (ACH) systems. The faster payment networks are covered under Reg E.
COMMON ERROR MESSAGES + WHAT TO DO
“Zelle® is unavailable”
You have received this message because you attempted your transaction during End-of-Day processing. You can re-try once EOD is complete.
“Oops, something went wrong”
This generally indicates an issue with mobile connectivity.
Please contact Customer Service.
Please contact Customer Service.
“Unable to Confirm.”
Your transaction has flagged a security alert.
“Cannot Send. You’ve exceeded your amount limit.”
You have exceeded a dollar amount limit (either transaction, day, week or month). Please check account activity to confirm which limit is causing the rejection.
If you are interested in raising your limit amount, please contact your local branch.
“Cannot Send. You’ve exceeded your payments limit.”
You have exceeded a transaction frequency limit (either day, week or month). Please check account activity to confirm which limit is causing the rejection.
If you are interested in raising your limit amount, please contact your local branch.
Online Banking Solutions.
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