Zelle®
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Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
FAST
Send money directly from your account to theirs — typically in minutes.1
SAFE
Use Zelle® within the First State Bank of St. Charles app or Digital Banking you already trust. No account numbers are shared.
FREE1
There are no transaction fees to send money with Zelle®.
Enroll today and send money to friends and family:
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Log into the First State Bank of St. Charles, MO app. |
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In the main menu, select “Move Money” then “Send money with Zelle®.” |
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Enroll your email address or U.S. mobile number. |
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You’re ready to start sending and receiving money with Zelle®. |
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Log into the First State Bank of St. Charles, MO app. |
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In the main menu, select “Bills & Payments” then “Send money with Zelle®.” |
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Enroll your email address or U.S. mobile number. |
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You’re ready to start sending and receiving money with Zelle®. |
Get started with Zelle® today or visit our Zelle® Frequently Asked Questions page for more details.
Zelle® Frequently Asked Questions
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into Digital Banking and select “Move Money | Zelle®” then “Send Money with Zelle®.” Using the First State Bank of St. Charles Mobile Banking App, select “Move Money” then “Send Money with Zelle®.” Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, review and accept the terms and conditions. You’re ready to start sending and receiving 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, 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 State Bank 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 First State Bank.
- 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.
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 number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile number to First State Bank of St. Charles so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile number, it will be connected to your First State Bank of St. Charles account so you can start sending and receiving money with Zelle® through the First State Bank of St. Charles mobile app. Please call First State Bank’s customer care team at 636-940-5555 for help.
Is my information secure?
Keeping your money and information safe is a top priority for First State Bank. When you use Zelle® within our First State Bank of St. Charle mobile app and digital banking, your information is protected with the same technology we use to keep your First State Bank account safe.
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 neighbor1.
Since money is sent directly from your First State Bank of St. Charles 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).
Zelle® does not offer 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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union 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 you do not see this option available, please contact our customer care team at 636-940-5555 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 care team at 636-940-5555 so we can help you.
Are there any fees to send money using Zelle®?
No, First State Bank of St. Charles does not charge any fees to use Zelle® in the First State Bank of St. Charles app.
Your mobile carrier’s messaging and data rates may apply.
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1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
