Send and Receive Money with Zelle^®

You can send, request, or receive money with Zelle®. To get started, log into the Your First Financial app. In the main menu, select “Send Money with Zelle^®”.

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 to request, 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 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 First Financial Bank account, typically within minutes.

If someone sent you money with Zelle^® and 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 First Financial Bank.
3. Follow the instructions provided on the page to enroll and receive your money. 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.

Keeping your money and information safe is a top priority for First Financial Bank. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your First Financial Bank account safe.

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

Since money is sent directly from your First Financial Bank account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to people 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).

Neither First Financial Bank 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.

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 your Your First Financial app using just their email address or U.S. mobile number.

Neither First Financial Bank 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.

In order to use Zelle^®, the sender's and recipient's bank or credit union 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 you do not see this option available, please contact our customer support team at 833.327.6370 for assistance with canceling the pending 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, please immediately call our customer support team at 833.327.6370 so we can help you.

No, First Financial Bank does not charge any fees to use Zelle^® in the Your First Financial app.

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

You can find a full list of participating banks and credit unions live with Zelle^® here.

If your recipient’s bank or credit union 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.

There are daily, weekly and monthly limits to consider when using Zelle^® at First Financial. Because money sent with Zelle^® cannot be reversed if the recipient is already enrolled with Zelle^®, these limits are in place to ensure the security of your account and so that you can monitor your accounts at First Financial for any unauthorized transactions. There is a limit of $500 per transaction and a total of two transactions per day. Additionally, there is a limit of $1,000 per week and 5 transactions per week. Finally, the total monthly limit is 20 transactions and $4,000 per month. If you have questions regarding transaction limits please reach out to us at 877.322.9530.

There is no minimum amount to make a transfer.

The simple answer is, yes. When enrolling, you will be asked what token (email or U.S. mobile number) you would like to use with Zelle^® at First Financial Bank. If the email or phone number is being used for Zelle^® transactions with another financial institution, you will be asked to confirm that you want to move that token over to First Financial Bank for Zelle^®. You may elect to use a different token with First Financial Bank and keep the other in place. You cannot use the same token (email or phone number) at more than one financial institution. You can, however, use your primary email account at one financial institution and your phone number at another to have Zelle^® at both financial institutions.

Please visit any financial center or call our Client First Center at 877.322.9530 for assistance.

Sending money with Zelle^® is fast...typically in minutes when the recipient is already enrolled in Zelle^®. If they are not, the recipient will be asked to enroll and the time it takes will depend on how quickly they setup their account. After 14 days, the payment will be cancelled if they do not enroll.

Zelle^® at First Financial may not be available between 10:30 pm – 1 am EST due to system updates.

Zelle^® is currently enabled for consumer clients only at First Financial. Commercial clients, including small business owners, are not able to use this service at this time. Please contact your relationship manager for alternative solutions that we may be able to offer to suit your needs.