Send & Receive
Money with Zelle^®

Zelle^® is a fast, convenient and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.¹ With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.¹

You can send money to friends, family, and others you trust

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 phone number.

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 Commerce 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.

You can send, request or receive money with Zelle^®.

To get started, log in to Commerce Bank's Online Banking or mobile app, navigate to Transfers 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. Verify you’re sending to the trusted person, and that their phone number/email address is correct, then hit send. In most cases, the money is available to your recipient in minutes.¹

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, verify, and hit "Request."²

“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 phone number with a friend and ask them to send you money with Zelle^®. No need to share any sensitive account details.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

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 Commerce 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 with Zelle^® using that 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.¹ Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle^® should only be used to send money to friends, family and others you trust.

Neither Commerce 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.

It's easy — Zelle^® is already available within the Commerce Bank Mobile App and Online Banking!

• Navigate to “Transfers”
• Select "Send Money with Zelle^®"

You can find a full list of participating banks and credit unions working with Zelle^® on their website.

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 phone 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.

When you enroll with Zelle^® through Online Banking or our mobile app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared — those stay with Commerce Bank).

When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle^® looks up the email address or mobile number in its "directory" and notifies Commerce Bank of the incoming payment. Commerce Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

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 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 phone number when sending money.

If you sent money to the wrong person, please immediately call Commerce Bank support at (800) 455-2265 so we can help you.

Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by Commerce Bank but are a separate service from Zelle^® and d can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn't enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.

If your payment is pending, 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 contact our support team at (800) 453-2265.

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

Helping you keep your money and information safe is a top priority for Commerce Bank. When you use Zelle^® within our mobile app or Online Banking, your information is protected with the same technology we use to help you 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 bidding 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 Commerce Bank nor Zelle^® offers 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.

No, Commerce Bank does not charge any fees to use Zelle^® in the Commerce Bank Mobile App. Your mobile carrier’s messaging and data rates may apply.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call Commerce Bank support team at (800) 453-2265 and ask them to move your email address or U.S. mobile phone number to Commerce Bank so you can use it for Zelle^®.

Once our support team moves your email address or U.S. mobile phone number, it will be connected to your Commerce account so you can start sending and receiving money with Zelle^® through the Commerce Bank Mobile App and Online Banking. Please call our support team at (800) 453-2265 for help.

Zelle^® is a fast, convenient and easy way for small businesses to send, request and receive money directly between eligible bank accounts in the U.S.¹ If your customers use Zelle^® within their mobile banking app, they can send payments directly to your Commerce Bank checking or savings account with just your email address or U.S. mobile phone number. With Zelle^®, payments typically arrive within minutes.¹

You can send, request or receive money with Zelle^®.

To get started, log in to Commerce Bank's Online Banking or mobile app, navigate to Transfers 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. Verify you’re sending to the trusted person, and that their phone number/email address is correct, then hit "Send." In most cases, the money is available to your recipient in minutes.¹

If the small business or consumer you send money to has already enrolled with Zelle^® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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 phone number when sending money.

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, verify, and hit "Request."²

To receive money, just share your enrolled email address or U.S. mobile phone number with your customer and ask them to send payment with Zelle^® right from their banking app. No need to share any sensitive account details.

When you use Zelle^® with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle^® to small businesses. Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into Commerce Bank’s Mobile App or Online Banking and select “Send Money with Zelle^®”

If the small business or consumer you send money to has already enrolled with Zelle^® through their bank's mobile app, the money is sent directly to their bank account and cannot be canceled. 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 phone number when sending money.

Neither Commerce Bank nor Zelle^® offers a protection program for any payments made with Zelle^® that you have authorized–for example, if you do not receive the item you paid for, or the item is not as described or as you expected.

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 Commerce 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.

You can receive payments from consumers using Zelle^® through their bank's mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle^® to small businesses. At this time, you're not able to receive payments from consumers that are only enrolled in the Zelle^® app.

Once you're enrolled with Zelle^®, payments from others using Zelle^® are typically received within minutes.

1. You should enroll your email address or U.S. mobile number with Zelle^® through the Commerce Bank Mobile App or Online Banking and associate it with your small business checking or savings account.
2. Share your enrolled email address or U.S. mobile phone number with your customers and ask them to send you payment with Zelle^® right from their mobile banking app. You don't need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile phone number to identify you.
3. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

You can also request payments directly through Commerce Bank Mobile App or Online Banking

• Click on "Send Money with Zelle^®"
• Select "Request"
• Entering your customer's email address or U.S. mobile number
• Confirm that the recipient is correct
• Verify that you've entered the correct email address or U.S. mobile phone number of the person or business you want to request payment from²
• Select "Request"

If your customer is using Zelle^® through their bank's mobile app, they'll be able to pay you with Zelle^®. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle^® app, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

There are a few ways you can encourage your customers to pay you with Zelle^®.

• Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.

• Include it on an invoice. We recommend adding “I accept payments with Zelle^®.”

• Use Zelle^® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^® ).²

• Add pre-approved Zelle^® content to your business website, which can be found at https://www.zellepay.com/small-business-payments/zelle-small-business-toolkit.

Please note: You’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle^® app.

To request money with Zelle^®:

• Select “Send Money with Zelle^®" in our Commerce Bank Mobile App
• Choose "Request"
• Select the individual from whom you'd like to request money
• Enter the amount you'd like to request and include an optional note
• Verify and hit "Request"²

Neither Commerce 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.

No, Commerce Bank does not charge a fee to use Zelle^® with a small business account. Data charges may apply. Check with your mobile phone carrier for details.

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their mobile banking app don't need to do anything different to send money to a small business–they use the existing Zelle^® experience they already know and trust within their bank's mobile app. However, the experience is slightly different for small businesses, as small businesses cannot currently receive payments from consumers who are only enrolled in the Zelle^® app.

To get started:

• Log in to the Commerce Bank Mobile App or Online Banking.
• To enroll a small business bank account with Zelle^®, you must use a different email address or U.S. mobile phone number than the one you used to enroll your personal bank account with Zelle^®.

For example: crystal@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your Online Banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.

To determine whether your small business is eligible to use Zelle^®:

• Log in to our Commerce Bank Mobile App or Online Banking
• Navigate to “Transfers”
• Look for Zelle^®

If you're able to enroll with Zelle^® using your small business checking account, then you are eligible to use Zelle^®.

You can only cancel a payment if the small business or consumer you sent money to hasn't yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient has not yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment."

If you send money to a small business or consumer that has already enrolled with Zelle^® through their bank's mobile app, 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 phone number when sending money.

If you try to send money to a consumer who is only enrolled in the Zelle^® app, the payment won't go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending money to enrolled users in the Zelle^® app.

If you sent money to the wrong person, please call Commerce Bank support team at (800) 453-2265 so we can help you.

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

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

Please contact Commerce Bank support team at (800) 453-2265 so we can help you.