Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor¹.

Since money is sent directly from your Harvard FCU account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you 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).

You can send, request, or receive money with Zelle®. To get started, log into the Harvard FCU Digital Banking App or online banking.

To send money using 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.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. 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, 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 U.S. 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 Harvard FCU 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 Harvard FCU.
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.

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 minutes¹.

If you have not 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 Harvard Federal Credit Union.
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.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor¹.

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

Neither Harvard Federal Credit Union 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.

It’s easy – Zelle^® is already available within online Bill Pay and your mobile banking app! Check our app or sign-in online and follow a few simple steps to enroll with Zelle^® today.

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 your recipient 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.

When you enroll with Zelle^® through your online banking Bill Pay account, or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with Harvard Federal Credit Union).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or mobile number in its “directory” and notifies us of the incoming payment. We then direct the payment into your bank account, all while keeping your sensitive account details private.

No, Harvard FCU does not charge any fees to use Zelle® in the Harvard FCU Digital Banking app.

Your mobile carrier’s messaging and data rates may apply.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

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 617-495-4460 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 617-495-4460 so we can help you.

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the Harvard FCU Digital Banking app or online banking using just their email address or U.S. mobile number.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes¹.

If you send money to someone who isn’t enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient’s account, typically within minutes¹.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact our Support Center at 617-495-4460.

Yes! They will receive a notification via email or text message.

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

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^® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Harvard FCU 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.

Please contact our customer support team at 617-495-4460. Qualifying imposter scams may be eligible for reimbursement.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Cal our Support Center at 617-495-4460 and ask them to move your email address or U.S. mobile phone number to Harvard FCU so you can use it for Zelle^®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle^® through our mobile banking app and online banking. Please call our Support Center at 617-495-4460 for help.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Harvard FCU send limits, call our customer service at 617-495-4460.

At Harvard FCU, 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.

You may find the transfer limits in Zelle^® once you start a transfer.