Zelle®

You can send, request or receive money with Zelle®.

• To get started, log in to online banking or our mobile banking app and navigate to the [“Send Money With 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 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.

• 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 [FI Name]. 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.

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 [FI App Name], 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 Heritage Bank & Trust, 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.

Keeping your money and information safe is a top priority for Heritage Bank & Trust. 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. 

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.

Since money is sent directly from your Heritage Bank & Trust account to another person’s bank account within minutes¹. Zelle® should only be used to send money to family, friends and others you know and trust.

If you don't know the person or aren't sure you'll 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).

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

To use Zelle,® the sender and recipient's bank 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, 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 931-388-1970 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 call us immediately at (931) 388-1970 to determine what options are available.

No, Heritage Bank & Trust does not charge any fees to use Zelle.® Your mobile carrier's messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Heritage Bank & Trust send limits, call our customer service at (931) 388-1970.

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.

Please contact our customer support team at 931-388-1970.  Qualifying imposter scams may be eligible for reimbursement.

Neither Heritage Bank & Trust 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.