To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

As Quick and Easy as Cash

Need to split the lunch tab with friends or pay the babysitter? Now you can use Zelle®Footnote 1 with friends and family to send and receive money directly with almost any bank account in the U.S., typically within minutes.Footnote 2

Log In to Get Started using Zelle

Video Transcript for Navy Federal Together with Zelle®

Audio description

MUSIC PLAYING Friday's finally come at last. Leaving with your buddies on a weekend pass. Don't forget your mobile device when you're sharing a ride and splitting the price. Easily receive cash for tickets you bought, and send your sister money for the gift you forgot. Send, request, and split with just a tap. It's free for members in our mobile app. Using Zelle to send money is a piece of cake, and the easiest solution for a messy mistake. It's easy, fast, and secure. Navy Federal, together with Zelle. MUSIC PLAYING

The best part? You don’t need a personal account number.

To complete a Zelle® transaction, just sign in to the Navy Federal mobile app* or online banking. Under the Send Money option, add your contact's email address or U.S. mobile phone number, and you're ready to go.

Ask your recipients to enroll with Zelle® before you send them money—this will help them get your payment more quickly.


Be Alert for Scams

Watch out for the most common scams circulating on payment apps like Zelle®. Learn how to spot them quickly and protect your accounts.

Know the Scams

How to Send Money With Zelle®

  1. Step 1

    Getting Started

    To complete a Zelle® transaction, just sign in to your Navy Federal Credit Union account and navigate to Move Money. Select Zelle®, then Send Money. After you accept the terms and conditions, enter your email address or US mobile phone number to receive a one-time verification code. Next, enter the code in the appropriate box on the enrollment screen and you're all set.

  2. Step 2

    Add a Recipient

    To find a new recipient, enter their email address or U.S. mobile number. If the recipient hasn't enrolled in Zelle®, they'll receive an email or text letting them know how to enroll to access the money you've sent.

  3. Step 3

    Send Money

    Choose the recipient and the amount to send. It's important to make sure the recipient's information is correct because sending money to the wrong recipient could result in a loss of funds. Tap Send after you've verified everything is correct.

FAQs

You can send money to almost anyone who has a U.S. bank account. Zelle® is intended to be used with friends, family and others you know and trust (like a babysitter). We recommend that you ask your recipient to enroll before you send them money, because they'll likely receive your payment faster.

You shouldn’t use Zelle® to send money to people you don’t know or trust (like an online sales or bidding site). Neither Navy Federal Credit Union nor Zelle® offer a protection program for any purchase or sale conducted using Zelle®. However, if you notice other errors or unauthorized charges, please contact us as soon as possible at 1-888-842-6328.

Disclosures

1

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

2

Zelle® is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile 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. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.