Zelle

Zelle® es una forma cómoda de enviar dinero
directamente desde tu aplicación de banca móvil o tu cuenta de banca online.

Ya sea para ahorrarte un viaje al cajero automático o para eliminar las conjeturas a la hora de repartir el coste de la cuenta del almuerzo, Zelle® es una forma rápida, segura y fácil de enviar y solicitar dinero con amigos, familiares y otras personas de confianza1. El dinero se envía directamente a la cuenta del destinatario y suele estar disponible en cuestión de minutos1, y todo lo que necesitas para enviar dinero es la dirección de correo electrónico o el número de teléfono móvil de Estados Unidos del destinatario.

Existing Harvard FCU members, click below to directly enroll in Zelle.

Movilice su dinero con Zelle®.

Icono de depósitos móviles

Enviar

Envíe dinero rápido en unos pocos pasos.

Icono de depósito de cheques por móvil

Solicite

Acomódate con compañeros de piso, amigos y demás, independientemente del lugar en el que se encuentren los bancos1.

mental and financial health

Dividir

Divide fácilmente el coste de la cuenta de la cena, el café y demás.

Preguntas frecuentes

Zelle ® es una forma rápida, segura y sencilla de enviar dinero directamente entre casi cualquier cuenta bancaria en los EE. UU., normalmente en cuestión de minutos 1 . Con solo una dirección de correo electrónico y un número de teléfono móvil de EE. UU., puede enviar dinero a personas de su confianza, independientemente de dónde realicen sus operaciones bancarias 1 .

Puedes enviar dinero a amigos, familiares y otras personas de confianza2.

Dado que el dinero se envía directamente de tu cuenta bancaria a la de otra persona en cuestión de minutos1, es importante que sólo envíes dinero a personas de confianza y que te asegures siempre de haber utilizado la dirección de correo electrónico o el número de móvil estadounidense correctos.

Puedes enviar, solicitar o recibir dinero con Zelle®.

  1. To get started, log into online banking or your mobile app, navigate to Bill Pay and select “Send Money with Zelle®“. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle®.
  2. 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 minutes1.
  3. To request money using Zelle®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”2.
  4. To receive money, just share your enrolled email address or U.S. mobile phone 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 bank account, and will be available typically within minutes1.

If you have not yet enrolled with Zelle®, follow these steps:

  1. Haga clic en el enlace proporcionado en la notificación de pago que recibió por correo electrónico o mensaje de texto.
  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.

In order 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, you can 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 trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Si ha enviado dinero a la persona equivocada, le recomendamos que se ponga en contacto con el destinatario y le pida que le devuelva el dinero. Si no consigue que le devuelvan el dinero, póngase en contacto con nuestro Centro de Asistencia al 617-495-4460.

Scheduled and recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Harvard FCU but are a separate service from Zelle® and can take 1-3 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.

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.

Si estás esperando recibir dinero, debes comprobar si has recibido una notificación de pago por correo electrónico o mensaje de texto. Si no has recibido una notificación de pago, te recomendamos que te pongas en contacto con el remitente para confirmar que ha introducido la dirección de correo electrónico o el número de teléfono móvil estadounidense correctos.

¿Sigue teniendo problemas? Póngase en contacto con nuestro Centro de Asistencia al 617-495-4460.

Sí. Recibirán una notificación por correo electrónico o mensaje de texto.

Keeping your money and information safe is a top priority. 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.

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.

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.

Los miembros disponen de 5.000 dólares al mes para realizar transferencias. El límite diario para transferencias de 1 a 3 días hábiles y el límite de 30 días para transferencias instantáneas es de 2.500 dólares.

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

¿No tiene nuestra aplicación móvil?

Descárgalo gratis:

Download Harvard FCU Cards App on the App Store
Download Harvard FCU Cards App on Google Play

App Store es una marca de servicio de Apple Inc. Apple y el logotipo de Apple son marcas comerciales de Apple Inc, registradas en Estados Unidos y otros países. Android, Google Play y el logotipo de Google Play son marcas comerciales de Google Inc. Pueden aplicarse tarifas de datos. Consulte con su operador de telefonía móvil para obtener más detalles. Zelle y las marcas relacionadas con Zelle son propiedad de Early Warning Services, LLC y se utilizan aquí bajo licencia.

Se requiereuna cuenta corriente o de ahorro en EE.UU. para utilizar Zelle®. Las transacciones entre consumidores inscritos suelen realizarse en minutos.

2 Para enviar solicitudes de pago o solicitudes de pago divididas a un número de móvil de EE.UU., el número de móvil debe estar ya inscrito en Zelle®.