Zelle®

You can send money to friends, family and people you know and trust.⁵ We recommend you ask people to enroll with Zelle® before you send them money — this will help them get your payment more quickly.¹

Since money is sent directly from your bank account to another person’s bank account within minutes,¹ 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. Zelle® should not be used to send money to people you don’t know or to purchase goods.

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).

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 with Zelle® through our Online or Mobile Banking services using just their email address or U.S. mobile number.

Neither FNB nor Zelle® offer 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Please contact our Customer Contact Center at 1-800-555-5455 during our service hours: 8:00 AM - 9:00 PM ET (Mon-Fri) or 8:00 AM - 5:00 PM ET (Sat-Sun). Qualifying imposter scams may be eligible for reimbursement.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle^® here. If their bank or credit union is not listed, we recommend you use another payment method at this time.

You can send, request or receive money with Zelle®. To get started, log into FNB's Online or Mobile Banking. In Online Banking, you can find Zelle® on the Transfers tab, while in Mobile Banking, Zelle® is located on the Transfer & Pay tab. Once you access Zelle®, enter your email address or U.S. mobile phone number, after which you will receive a one-time verification code. Enter the code, review and accept the terms and conditions and you’re finished.

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 phone number), add the amount you’d like to send and an optional memo, 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 request⁵money 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 memo, 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 U.S. mobile number.

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 FNB account, typically within minutes.

When you enroll with Zelle® through our Online or Mobile Banking services, your name, the name of your bank and the email address or U.S. mobile number you used to enroll is shared with Zelle® (no sensitive account details are shared — those stay with FNB). 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 FNB of the incoming payment. FNB then directs the payment into your bank account, all while keeping your sensitive account details private.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.¹ 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 First National Bank.
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 in Zelle^® with the 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 neighbor.⁵

Since money is sent directly from your bank account to another person’s bank account within minutes,¹ Zelle^® should not be used to send money to people you don’t know or trust.

Zelle^® should not be used for the purchase of goods. Neither Zelle^® nor First National Bank offer a protection program if you do not receive what you paid for or the item you receive is not what was described or expected.

First National Bank does not currently charge any fees to send, request or receive money through Zelle®.⁶ However, there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, funds will be returned and no fees will be assessed.

Fees for the use of Zelle® are separate from any charges that may be assessed by your wireless carrier for the use of wireless data or for text messages sent to or received from First National Bank. Your mobile carrier’s messaging and data rates may apply.

To determine your send limits, you may click on the Limits icon while sending money with Zelle® within Online or Mobile Banking.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the frequency and amount of money they can send you.

No, Zelle® payments cannot be reversed.

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, go to your Activity page, choose the payment you want to cancel, and select Cancel This Payment. If you do not see this option available, please contact our Customer Contact Center at 1-800-555-5455 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle® through their bank or credit union, 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 know and trust, and to 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 us at 1-800-555-5455 during our service hours: 8:00 AM - 9:00 PM ET (Mon-Fri) or 8:00 AM - 5:00 PM ET (Sat-Sun), so we can help you.

Money sent with Zelle® is typically available to an enrolled person within minutes.¹ Ask your friends and family to enroll with Zelle® before you send them money — this will help them get your payment more quickly.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, it may take between one and three business days for your recipient to receive their first payment. This is a security feature of Zelle® designed to protect you when you’re sending or receiving money. Once the first payment has been completed, your recipient will be able to receive future payments faster, typically within minutes.¹

If it has been more than three days, 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 give the First National Bank Customer Contact Center a call toll-free at 1-800-555-5455.

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

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

Keeping your money and information safe is a top priority for First National Bank. When you use Zelle® within our Online or Mobile Banking services, your information is protected with the same technology used 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 auction site), you should not use Zelle®. These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Zelle® nor First National Bank offer a protection program for any purchase or sale conducted using Zelle®.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union you use. Call First National Bank's Contact Center at 1-800-555-5455 and ask them to move your email address or U.S. mobile number to First National Bank so you can use it for Zelle® with First National Bank.

Once support moves your email address or U.S. mobile number, it will be connected to your First National Bank account so you can start sending and receiving money with Zelle® through our Online and Mobile Banking services.

A Zelle® QR Code provides peace of mind knowing you can send and receive money to the right person, without entering an email address or U.S. mobile number.

To locate your Zelle® QR Code, log into the FNB Direct mobile banking app, tap Send Money, then tap on the QR code icon displayed at the top of the Recipients screen. The default Zelle® scanner will utilize your phone’s camera to allow you to scan a Zelle® QR Code.

To send money using a Zelle® QR Code, tap on the QR code icon displayed on the Send Money with Zelle® screen. Tap Scan QR Code and simply point the scanner 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.

If you’d like to use a QR code for someone to send you money, you can locate your personal Zelle® QR Code by opening the FNB Direct mobile banking app, navigating to Send Money with Zelle® and tapping the Gear/Settings icon to pull up your Zelle® settings. From here, you can see your Zelle® QR Code. Your recipient can then scan your QR Code to send you money.

You can have one Zelle® QR Code for each enrolled U.S. bank account. To find your Zelle® QR code, open the FNB Direct mobile banking app, tap on the Gear/Settings icon to pull up your Zelle® Settings then tap on the QR Code icon.

If you are not enrolled with Zelle®, scanning a Zelle® QR code will not enroll you with the service. Prior to scanning a Zelle® QR Code, you should open the FNB Direct mobile banking app, navigate to Zelle® and follow the prompts to enroll. Once enrolled, you will be able to scan a Zelle® QR Code from within the Mobile Banking app.

If a recipient’s bank or credit union does not offer the ability to scan a Zelle® QR Code, your recipient can still send you money with Zelle® using your enrolled email address or U.S. mobile number.

No, each Zelle® QR Code is specific to an individual email address or U.S. mobile number. If you change your email address or US mobile number, the Zelle® QR Code will change. You then must share your new Zelle® QR Code in order to receive money. Money sent to a Zelle® QR Code that is not associated with an enrolled email address or U.S. mobile number will not be delivered unless you re-enroll the email address or U.S. mobile number associated with the Zelle® QR Code.

If you do not re-enroll the email address or U.S. mobile number previously associated with that Zelle® QR Code, the payment will expire after 14 days.

If you no longer have access to the email address or U.S. mobile number, the sender should cancel the payment and send money using the new Zelle® QR Code.