What is Zelle^®?

Zelle^® is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.¹

Who can I send money to with Zelle^®?

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.¹

Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle^® should only be used to send money to friends, family and others you know and 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).

Neither Aloha Pacific Federal Credit Union 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.

How do I enroll in Zelle^®?

1. To start using Zelle^® at Aloha Pacific Federal Credit Union, you must be enrolled in online banking. If you are not already enrolled in online banking, you can enroll by going to alohapacific.com or our mobile banking app. Locate the Enroll or Sign Up link and follow the instructions to complete the online banking enrollment steps. 2. Call Contact Center at 808-531-3711 or visit any of our branch locations to enable Zelle^®. 3. Access “Send Money With Zelle^®” in the Move Money tab to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle^®.

How do I use Zelle^®?

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

To get started, log in to Aloha Pacific Federal Credit Union's online banking or mobile app, navigate to the Move Money tab and select "Send Money With Zelle^®." Review and 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^®.

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 that there is no mistyped information and it's your intended recipient, then hit "Send." In most cases, the money is available to your recipient in minutes.

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."

Someone sent me money with Zelle^®, how do I receive it?

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your credit union account and will be available typically within minutes.²

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 Aloha Pacific 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.

What types of payments can I make with Zelle^®?

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 credit union account to another person's bank account within minutes,² Zelle^® should only be used to send money to friends, family and others you trust.

Neither Aloha Pacific 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, you will need to go back to the recipient to get your money back.

How do I get started?

It's easy – Zelle^® is already available within Aloha Pacific Federal Credit Union's mobile banking app and online banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

What if I want to send money to someone whose financial institution doesn't offer Zelle^®?

You can find a full list of participating banks and credit unions 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 would 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.

How does Zelle^® work?

When you enroll with Zelle^® through APFCU's online banking 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 Aloha Pacific 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 Aloha Pacific Federal Credit Union of the incoming payment. Aloha Pacific Federal Credit Union then directs the payment into your credit union account, all while keeping your sensitive account details private.

Can I use Zelle^® internationally?

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

Can I cancel a payment?

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.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call our Contact Center at 808-531-3711 so we can help you.

Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by Aloha Pacific Federal Credit Union but are a separate service from Zelle^® and can take one to three 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.

How long does it take to receive money with Zelle^®?

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.²

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 directly in your recipient's account, typically within minutes.²

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 call our Contact Center at 808-531-3711.

Will the person I send money to be notified?

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

Is my information secure?

Keeping your money and information safe is a top priority for Aloha Pacific Federal Credit Union. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your credit union account(s) safe.

I'm unsure about using Zelle^® to pay someone I don't know. What should I do?

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). Neither Aloha Pacific 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, you will need to go back to the recipient to get your money back.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our Contact Center at 808-531-3711 and ask them to move your email address or U.S. mobile phone number from your other financial institution to Aloha Pacific Federal Credit Union so you can use it for Zelle^®.

Once we move your email address or U.S. mobile phone number, it will be connected to your credit union account so you can start sending and receiving money with Zelle® through your APFCU banking app and online banking. Please call our Contact Center at 808-531-3711 for assistance.

How do I use a Zelle^® QR code?

Zelle^® QR codes provide peace of mind knowing you can send money to the right person without typing an email address or mobile number. Find Zelle^® in the Aloha Pacific FCU app, click “Send,” then click on the QR code icon displayed at the top of the “Recipients” screen. Your phone’s camera will open. To send money using a Zelle^® QR code, simply point your camera at the recipient’s Zelle^® QR code, enter the amount and 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.

You can also locate your Zelle^® QR code by opening the Aloha Pacific FCU app, navigating to [“Send Money with Zelle^®”] and clicking your Zelle^® settings. From here, you can see your Zelle^® QR code.