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Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is the recipient’s email address or U.S. mobile phone number.
Frequently Asked Questions
WHAT IS ZELLE?
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
WHO CAN I SEND MONEY TO WITH ZELLE?
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, 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.
HOW DO I USE ZELLE?
You can send, request, or receive money with Zelle.
- 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.
- 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.
- 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”3.
- 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.
What is Zelle?
Zelle is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.4
State of Hawaii consumer checking accountholders 18 years of age or older can use Zelle to send funds to a bank account in the U.S. Zelle is currently not available to business accountholders or Guam, Saipan, and Palau accountholders.
How do I enroll with Zelle?
To get started, log into Bank of Hawaii’s Mobile App and accept the Terms and Conditions. Then tap the “+” button, and select “Zelle®” to get started. Confirm your email address or U.S. mobile phone number to receive a one-time verification code. Once you enter the verification code, you’re ready to start sending and receiving money with Zelle.
Are there limits to the amount of money I can send and receive?
The send limit is $1,000 per calendar day. For clients of The Private Bank, the send limit is $2,000 per calendar day.3 There are no limits to the amount of money you can receive.
When will the money be available for use?
The money sent with Zelle is typically available to an enrolled person within minutes.1 To ensure the payment moves as quick as possible, ask your friends and family to enroll with Zelle before you send them money. In some cases, the payment could be delayed for your protection—for example—if Zelle or Bank of Hawaii suspect fraudulent activity is taking place.
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 auction 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 Zelle nor Bank of Hawaii offer a protection program for any authorized payments made with Zelle.
Can I cancel a 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. If your recipient has not yet enrolled with Zelle, the payment will remain pending, and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will be automatically cancelled.
I’m already using my U.S. mobile number or email address with Zelle at another financial institution. Can I still use Zellewith Bank of Hawaii?
You can use Zelle with Bank of Hawaii, but you will need to transfer your enrollment from your other banking app.
What is the difference between the Bank of Hawaii Zelle experience and the separate Zelle app?
Bank of Hawaii partners with Zelle to allow you to send money to and receive money from friends, family and others you trust using your BOH Mobile Banking app. There is a separate Zelle app that is owned and operated by Early Warning Services, LLC. If you choose to use the Zelle app then you will be subject to separate terms and conditions.