Zelle®

You can send, request or receive money with Zelle.® But first, you need to be enrolled in Heritage Bank & Trust Bill Pay. If you're not already, you can enroll by logging in to Online Banking or our mobile banking app. Then simply follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, click on the “Send Money with Zelle®" tab in Bill Pay to complete a quick one-time enrollment. Now you're ready to use Zelle® to send, request or receive money:

1. To send money, 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're already enrolled with Zelle.®
2. To request money, choose "Request," select the individual from whom you'd like to request money, enter the amount, include an optional note, review and hit "Request." If the person you're requesting money from is not yet enrolled with Zelle,® you'll need to use their email address to request money.
3. 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've already enrolled with Zelle,® you don't need to take any further action. The money will be sent directly into your account, typically within minutes.

If you've already enrolled with Zelle,® you don't need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

If you haven't 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 Heritage Bank & Trust.
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 and enroll with Zelle® using only that email address or U.S. mobile number to ensure you receive your money.

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 (931) 388-1970 and ask them to move your email address or U.S. mobile phone number to Heritage Bank & Trust so you can use it for Zelle® through our mobile banking app and online banking.

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. 

Since money is sent directly from your bank account to another person's bank account within minutes, Zelle® should only be used to send money to friends, family and people you know and trust, such as your personal trainer, babysitter or neighbor.

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).

Neither Heritage Bank & Trust nor Zelle® offers a protection program for any authorized 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.

You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and they can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

To use Zelle,® the sender and recipient's bank accounts must be based in the U.S.

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 the person you sent money to has already enrolled with Zelle,® 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 Customer Service at (931) 388-1970 immediately.

We offer you the flexibility to schedule payments to be sent at a later date or set up recurring payments for things like regularly sending money to your college student.

Note: Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are available through Heritage Bank & Trust but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment scheduled in advance if the money has not already been deducted from your account.

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.

^*U.S. checking or savings account required to use Zelle.® Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Early Warning Services, LLC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.