Zelle^®is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.

When you enroll with Zelle^® through the Chesapeake Bank app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with Chesapeake Bank). 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 Chesapeake Bank of the incoming payment. Chesapeake Bank then directs the payment into your Chesapeake Bank account, all while keeping your sensitive account details private.

You can send, request, or receive money with Zelle^®. To get started, log into Chesapeake Bank’s “online banking” and/or “mobile app” and select “Send Money with Zelle^®.” Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and 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 phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.

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 phone 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 Chesapeake Bank account, typically within minutes¹.

It’s easy — Zelle^® is already available within the Chesapeake Bank mobile app and online banking! Select “Send Money with Zelle®. Enroll your U.S. mobile number or email address. You’re ready to start sending and receiving money with Zelle^®.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our solution center and ask them to move your email address or U.S. mobile phone number to Chesapeake Bank so you can use it for Zelle^®.

Once our team moves your email address or U.S. mobile phone number, it will be connected to your Chesapeake Bank account so you can start sending and receiving money with Zelle^® through the Chesapeake Bank mobile app and online banking. Please call Chesapeake Bank’s toll-free solution center at 877-436-9032 for help.

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

You can send money to friends, family, and others you trust¹ even if they have a different bank or credit union.

Since money is sent directly from your Chesapeake Bank account to another person’s bank account within minutes¹, 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.

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 types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Chesapeake 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.

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 Chesapeake 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.

Neither Chesapeake 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.

Chesapeake Bank does not charge any fees¹ to use Zelle^® with your personal checking or savings account.

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 Chesapeake Bank mobile app using just their email address or U.S. mobile number.

Neither Chesapeake Bank nor Zelle^® offers a protection program for any authorized payments made with Zelle^®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

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

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 solution center at 877-436-9032 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 solution center at 877-436-9032 so we can help you.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle^®.

No problem. The party you are trying to pay can download the Zelle^® app for Android and iOS and enroll their account to send/receive funds.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Chesapeake Bank account, typically within minutes¹.

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 Chesapeake 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 phone 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.

You will need to update your contact information in Zelle®. 1. Open app 2. Go to Send Money with Zelle® 3. Click Zelle® Settings 4. Click + Add new email or phone.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes¹.

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 sent directly to your recipient’s account, typically within minutes¹.

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.