Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts 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 know and trust, even if they bank somewhere different than you do.²

To send or receive money with Zelle®, both parties must have an eligible checking or savings account.

You can send money to friends, family and people you know². We recommend you ask people to enroll with Zelle® before you send them money—this will help them get your payment more quickly. Since money is sent directly from your 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. Zelle® should only be used to send money to friends, family or others you trust.

You can send, request, or receive money with Zelle®. To get started, log into Byline Bank’s 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 finished.

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 memo, 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(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”³.

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®.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your 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 Byline 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 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 neighbor².

Since money is sent directly from your 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 Zelle® nor Byline Bank offer a protection program for any authorized payments made with Zelle®—for example, if you do not receive what you paid for or the item you receive is not as described or as you expected.

Byline Bank does not charge any fees for using Zelle®⁴.

It’s easy—Zelle® is already available within Byline Bank’s mobile banking app! Check our app and follow a few simple steps to enroll with Zelle® today. We recommend you enroll before someone sends you money—this will help you get your first payment faster.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com.

If their bank or credit union is not listed, we recommend you use another payment method at this time.

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

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

If your recipient has not yet enrolled with Zelle®, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

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 know and 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, we recommend contacting the recipient and requesting the money back. It is important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number. Neither Zelle® nor Byline Bank are responsible for any amounts that are transferred to the incorrect person as a result of you entering the incorrect mobile number or email address. Be sure to always double check the email or phone number of the user you’re sending money to. Nether Byline 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.

Money sent with Zelle® is typically available to an enrolled person within minutes¹. Ask your friends and family to enroll with Zelle® before you send them money—this will help them get your payment more quickly.

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 move directly into your recipient’s account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes¹.

If your payment is still 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 the Byline Bank customer support team a call toll-free at (773) 244-7000 or get in touch through our support page.

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

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

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Follow the instructions on the page to move your email address or U.S. mobile phone number to Byline Bank so you can use it for Zelle®.

Once your email address or U.S. mobile phone number are moved, it will be connected to your Byline Bank account so you can start sending and receiving money with Zelle®. Please call Byline Bank customer support toll-free at (773) 244-7000 for help.