
UsBank Zelle makes it easy to send and receive money with just a few taps on your phone.
The service is free to use, with no fees for sending or receiving money.
You can link your US Bank account to Zelle and start sending money to friends and family instantly.
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What Is UsBank Zelle?
UsBank Zelle is a fast and safe way to send and receive money right in the Central Bank app. This is a great alternative to sending checks or cash to friends, family members, or co-workers.
You can use UsBank Zelle to send and receive money easily within the Central Bank app.
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How to Enroll
To enroll with Zelle, you can log into your Central Bank app and select Zelle from the menu. This is the fastest way to get started.
You can also enroll through Online and Mobile Banking, where Zelle is available right from the start. No need to download anything new.
To enroll in Zelle, you'll need to log into Bill Pay, select Send Money with Zelle, and then enroll your U.S. mobile number or email address.
Here are the steps to enroll in Zelle:
- Login to Bill Pay
- Select Send Money with Zelle
- Enroll your U.S. mobile number or email address
- You're ready to start sending money with Zelle
Remember, your recipient's email address or U.S. mobile number must already be enrolled with Zelle for transactions to occur in minutes.
Benefits and Features
Zelle offers a fast way to send and receive money right in the Central Bank app.
This is a great alternative to sending checks or cash to friends, family members, or co-workers.
Benefits of UsBank
Using UsBank is a smart move because it offers a fast and safe way to send and receive money right in the Central Bank app.
You can send money to friends, family members, or co-workers without the hassle of sending checks or cash.
Data Security
Data Security is a top priority for our platform. Your account information is never shared with the recipient when you use Zelle in the U.S. Bank Mobile App or online banking.

We use the same technology to protect your information as we do to keep your bank account safe. This ensures that your money and information are secure.
Your information is protected by the same technology used to keep your bank account safe. This is reassuring, especially when making online transactions.
This level of security gives you peace of mind, allowing you to focus on the benefits of using our platform.
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International Use
International Use is a bit limited with Zelle. You can only use Zelle if both the sender's and recipient's bank accounts are based in the U.S. This means you can't send or receive money internationally with Zelle.
If you're planning to use Zelle, make sure you have a U.S.-based bank account to take advantage of its features.
Using QR Codes
To use a Zelle QR code, you'll need to log into the Central Bank App and click "Send Money with Zelle." From there, you can view your QR code and use the print or share icons to text, email, or print it.
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To receive money, just share your Zelle QR code with the sender. They can then use their camera to scan the code and send you the money.
To send money, log into the Central Bank App, click "Send money with Zelle", and then click on the QR code icon. Point your camera at the recipient's Zelle QR code, enter the amount, and hit "Send."
As of March 31, 2025, all users must be enrolled through a participating bank or credit union to send and receive money. You can find a full list of participating banks and credit unions at Zellepay.com.
To receive money, you can locate your own Zelle QR Code by tapping on the "My Code" tab in the U.S. Bank Mobile App.
To request money, select "Request" from the home screen, tap on the QR Code icon, and share your Zelle QR Code.
Troubleshooting and Costs
If you're having trouble sending or receiving money with US Bank Zelle, you can try restarting the app or checking your internet connection.
The cost of using US Bank Zelle is free for most transactions, but there may be a small fee for certain types of payments, such as international transactions or payments to credit cards.
What If the Recipient Is Not Enrolled?

If the recipient is not enrolled with Zelle, they'll receive an email or text letting them know that they have money waiting. They'll be guided through a few steps to help them enroll.
If the recipient doesn't have the Zelle app, they'll need to download it to receive the funds. The process is usually quick and easy.
The recipient will receive a notification that they have money waiting, and they'll be prompted to enroll with Zelle. This usually involves providing some basic information and verifying their identity.
Cost
Using Zelle in the Central Bank app is a cost-effective option. We don't charge a fee to use Zelle, so you can send and receive money without incurring any additional costs.
Receiving money through Zelle is also free, and the bank doesn't take a percentage of the funds.
Getting Started
To start using Zelle with your US Bank account, simply log into your Central Bank app and select Zelle from the menu.
You can also enroll with Zelle by logging into Bill Pay, selecting Send Money with Zelle, and enrolling your U.S. mobile number or email address. This is a straightforward process that takes just a few steps.
To enroll in Zelle, follow these steps:
- Login to Bill Pay
- Select Send Money with Zelle
- Enroll your U.S. mobile number or email address
- You're ready to start sending money with Zelle
Money sent to you will move directly into your account, typically in minutes.
Frequently Asked Questions
How do I set up Zelle on my bank account?
To set up Zelle, access your bank account through the mobile app, website, or Zelle directly using your email address or phone number. Enroll with this information to start receiving money from others.
What is the downside of using Zelle?
Zelle's main limitation is that it only allows person-to-person transfers within the US, making it less versatile for international transactions or adding credit cards for payments
What is the Zelle limit at U.S. Bank?
There is no limit to the amount of money you can receive with Zelle at U.S. Bank, but the sender's financial institution may impose their own sending limits.
How do I activate Zelle?
To activate Zelle, enroll with Zelle by going to Send Money with Zelle and following the prompts to read and accept the Zelle Transfer Service Addendum. This will allow you to send and receive money by enrolling an email address or U.S. mobile number.
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