Send Money

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

When you enroll with Zelle® through Clearwater Digital Branch, 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 Clearwater Credit Union).

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 Clearwater of the incoming payment. We then direct the payment into your chosen Clearwater account, all while keeping your sensitive account details private.

To get started, log into Clearwater Digital Branch and select Money Movement > Transfer with Zelle®.” Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle®.

To send money using Zelle,® follow the steps below. In most cases, the money is available to your recipient in minutes.

1. Select someone from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile phone number.
2. Add the amount you’d like to send and an optional note.
3. Review the transaction carefully. Once you hit Send, your money is gone.
4. Tap “Send.”

To request money using Zelle,® follow the steps below. I

1. Select someone from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile phone number.
2. Add the amount you’d like to request and an optional note.
3. Review the request.
4. Tap Send 

If the person you’re 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 Clearwater Credit Union account, typically within minutes.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.

If you’d like to move your email address or U.S. mobile phone number from the financial institution you initially enrolled with, click Transfer when prompted during the Zelle® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile phone number, it will be connected to the Clearwater Credit Union account you selected, and you can start sending and receiving money with Zelle® right away.

Keeping your money and information safe is top priority for Clearwater. When you use Zelle® within Clearwater Digital Branch, your information is protected with the same technology we use to keep your Clearwater accounts safe.

You can send money to friends, family and others you trust, even if they use a different credit union or bank.* Since you send money from your Clearwater Credit Union account to another person’s account within minutes,* it’s important to only send money to people you trust, and to always ensure you’ve used the correct email address or U.S. mobile phone number. Once you send the money, it’s gone from your account, and Clearwater cannot help you retrieve it.

If you don’t know the person, or aren’t sure you will get what you pay for, like if you buy items from an online bidding or sales site, you should not use Zelle®.

These transactions are potentially high risk because they’re just like sending cash to a person you don’t know. We offer Zelle® as a convenience for you. However, neither Clearwater nor Zelle® offers a protection program for any payments you authorize through Zelle. ® For example, if you do not receive the item you paid for or the item is not as described or as expected.

Zelle® is a great way to send money to friends, family, and people you’re familiar with, such as your personal trainer, babysitter or neighbor.*

Since money is sent directly from your Clearwater account to another person’s bank account within minutes,* we urge you to use Zelle® only to send money to friends, family, and others you trust.

Neither Clearwater 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 expected

Some small businesses are able to receive payments with Zelle®. If they do, you can pay them directly from Clearwater Digital Branch using their email address or U.S. mobile number.

Neither Clearwater 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, please ensure you use the correct email address or U.S. mobile number when sending money.

To use Zelle®, the sender and recipient’s bank or credit union accounts must both be based in the United States.

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can:

1. Go to your activity page
2. Choose the payment you want to cancel, and 
3. Select Cancel This Payment. 

If you do not see a cancellation option available, please call us at 406-523-3300 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 you cannot cancel it. This is why it’s important to only send money to people you trust, and to always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Here’s a full list of banks and credit unions participating with Zelle®. 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 (please note that this does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

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

If you’ve already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly to your Clearwater account, typically within minutes.*

If you’ve not yet enrolled with Zelle®, please:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Clearwater Credit Union.
   
   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 phone number to ensure you receive your money.

Money you send with Zelle® is typically available to an enrolled recipient within minutes.*

If you send money to someone who isn’t enrolled with Zelle®, they’ll receive a notification prompting them to enroll. After enrollment, the money will be sent directly to 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 give us a call at 406- 523-3300.

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. For personal accounts only; business accounts are excluded.

To send or split payment requests to a U.S. mobile number, the number must already be enrolled with Zelle®.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.