Choose “Zelle®” from the Banking menu, then select “Get started.”
Who can use Zelle®?
Anyone with an account at one of the over 2,200 eligible U.S. banks that offer Zelle® can use it.
Members with a USAA Bank checking or savings account can easily enroll on the USAA Mobile App or usaa.com using their U.S. mobile number or email address.
Get started with Zelle®.
Steps to complete Get started with Zelle®.
Send and request money.
After logging on to the USAA Mobile App, choose “Zelle®” from the Banking menu. Next, follow these steps to send and request money.
Steps to complete Send and request money.
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Select your action.
Select “Send” to transfer money or “Request & Split” to request or split a payment. See note 2
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Choose your recipient.
Choose from the contacts on your mobile device or add a new name to your list of Zelle® contacts.
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Enter your amount.
Enter the amount of money you want to send, request or split.
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Review and complete your transaction.
Make sure the information you entered is correct. Next, select “Send,” “Request” or “Split” to confirm.
Zelle® FAQ
We don’t recommend using Zelle® if you don’t know the person you’re paying or to buy items from an online bidding or sales site.
USAA Federal Savings Bank and Zelle® don’t provide purchase protection for Zelle® payments. So, if you don’t get the item you paid for or it isn’t as the seller described it, you won’t have any protection.
If your recipient doesn’t have Zelle®, they'll get an email or text notification letting them know that money is waiting for them. The notification will prompt them to enroll to receive the money you sent.
If your recipient doesn't enroll, they won't receive the money. The payment will expire in 14 days and the money will go back into your account.
Yes. USAA Bank sets these limits and allows you to send up to three payments in any 24-hour period, up to 21 transactions in any 7-day period and up to 90 transactions in any 30-day period.
Your payments can't total more than $1,000 in any 24-hour period, $2,500 over any 7-day period or $10,000 in any 30-day period.
No, Zelle® payments can’t be reversed. You can only cancel a payment if the person you sent money to hasn’t enrolled with Zelle® yet.
To check whether the payment is still pending because the recipient hasn’t enrolled, go to your Zelle® Activity page, choose the payment you want to cancel, and select "Cancel this payment."
If this option isn’t available, get help to cancel the pending payment by calling us at 800-531-USAA (8722).
If the person you sent money to has already enrolled with Zelle® through their bank or credit union, the money goes directly to their bank account and can’t be canceled.
So it’s important to only send money to people you know and trust. Make sure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, call us immediately at 800-531-USAA (8722).