Zelle® Frequently Asked Questions

What is Zelle^®?

Zelle^® is a fast, safe and easy way to send and receive money with friend, family and others you trust, even if they bank somewhere different than you¹. All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes². No account numbers are shared.

How do I start?

It’s easy — Zelle^® is already available within our mobile banking app and online banking through Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll today.

How do I use Zelle^®?

You can send, request, or receive money with Zelle^®. To get started, log into Park National Bank’s mobile app or online banking, go to Payments and select 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, and you’re ready to start sending and receiving money with Zelle^®.

• To send money, simply select someone from your mobile phone’s contacts or add a trusted recipient’s email address or U.S. cell phone, add the amount you want 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, choose “Request,” select the person that you want to request money from, 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 Park National Bank account, typically within minutes.

How do I receive money that someone sent with Zelle^®?

If you have already enrolled with Zelle^®, you don’t need to do anything else. The money will be sent directly into your account and will be available typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Park National Bank.
3. Follow the instructions on the page to enroll and receive your payment. You should enroll using the email address or U.S. mobile number where you received the payment notification to ensure you receive your money.

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 Park National Bank account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to friends, family and others you trust.

Should I use Zelle^® to pay someone I don’t know?

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 Park National 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.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle^®?

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. territories²). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

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 support team at 888-474-7275 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 888-474-7275 so we can help you.

Is my information secure?

Keeping your money and information safe is our top priority. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your account safe.

Can I pay a small business with Zelle^®?

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 Park National Bank mobile app or online banking by using just their email address or U.S. mobile number.

Neither Park National 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.

Are there any fees to send money using Zelle^®?

No, Park National Bank does not charge any fees to use Zelle^® in our mobile banking app or online banking.

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

Are there any limits for sending and receiving money with Zelle^®?

Your sending limit is flexible and may adjust as you establish Zelle^® payment history with a recipient. For certain services, you can log into the mobile banking app or online banking to view your individual transaction limits.

• In the mobile app, sign in and select Payments from the bottom menu. Tap Send Money with Zelle^®, select Send and click on the recipient’s name. Click Limits to see your daily and 30-day limits.
• In online banking, sign in and select Payments from the top menu. Click Send Money with Zelle^®, choose your recipient’s name and click Limits to see your daily and 30-day limits.

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 amount of money they can send you.