You can send, request, or receive money with Zelle^®. To get started, log into the Kinecta mobile banking app. In the main menu, select 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

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 number.

To receive money, just share your enrolled email address or U.S. mobile 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 Kinecta account, typically within minutes.

If someone sent you money with Zelle^® and 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 Kinecta.
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.

Please contact our customer support team at 800.854.9846. Qualifying imposter scams may be eligible for reimbursement. 

Most Kinecta members are eligible to use Zelle^® from our mobile banking app. The following criteria must be met to use Zelle^® at Kinecta:

• 18 years of age or older
• U.S. mobile number
• A Kinecta consumer checking account

At Kinecta Zelle^® can only be used with the member’s consumer checking accounts and only members who are the primary account holders on their accounts will be able to send and receive money with Zelle^®.  Joint account holders, including joint members, will not be able to access or utilize Zelle^®.

If you are still having trouble accessing Zelle^® or have any questions regarding eligibility, please call our Member Contact Center at 800.854.9846.

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

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 Kinecta account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to friends, family and others you trust.

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 transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Kinecta 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

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

Neither Kinecta 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.

Zelle^® payments cannot be reversed.

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 customer support team at 800.854.9846 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app, 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, please immediately call our customer support team at 800.854.9846 so we can help you.

No, Kinecta does not charge any fees to use Zelle^® in the Kinecta mobile banking app.

Your mobile carrier’s messaging and data rates may apply.

You can find a full list of participating banks and credit unions live with Zelle^® here.

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 (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.

To locate your Zelle® QR code, log into the Kinecta digital banking app, tap the more menu. Next, tap on Zelle^® and a QR code icon will be displayed on the top right, tap to display your QR code.