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What is Zelle®?
Zelle® is a fast, safe, and easy way to send money to someone within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, even if they don’t bank with North Shore Bank2.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
2 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
FAQs
Already enrolled in Online Bill Pay? Follow these steps to start using Zelle®:
- Log in to the Mobile AppFootnote 1 or Online Banking (web-based)
- Select "Send Money with Zelle®"
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
1 Mobile network carrier fees may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle® is a fast, safe, and easy way to send money to someone within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, even if they don’t bank with North Shore Bank2.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
2 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
You can send, request, or receive money with Zelle®.
- To get started, log into North Shore Bank's Mobile AppFootnote 1 or Online Banking (web-based) and select "Send Money with Zelle®" and you're ready to start sending and receiving with Zelle®.
- To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutesFootnote 2 if they are already enrolled with Zelle®.
- 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"Footnote 3. 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 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 account, typically within minutes.
1 Mobile network carrier fees may apply.
2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled 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 bank account, and will be available typically within minutesFootnote 1.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select North Shore Bank.
- 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 where you received the notification to ensure you receive your money.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
You can send money to friends, family and others you trust1 even if they bank somewhere different than you do.
Since money is sent directly from your bank account to another person's bank account within minutes2, 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.
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Already enrolled in Online Bill Pay? Follow these steps to start using Zelle®:
- Log in to the Mobile AppFootnote 1 or Online Banking (web-based)
- Select "Send Money with Zelle®"
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
1 Mobile network carrier fees may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle® is a fast, safe, and easy way to send money to someone within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, even if they don’t bank with North Shore Bank2.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
2 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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. Fees may apply. Refer to our Services and Fee Schedule for Personal Accounts for details.
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 trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
To start using Zelle® at North Shore Bank, you must be enrolled in Online Bill Pay. If you are not already enrolled in Online Bill Pay, you can enroll by logging in to the Mobile App or Online Banking (web-based). Locate the Online Bill Pay tab and follow the instructions to complete the Online Bill Pay enrollment steps.
Already enrolled in Online Bill Pay? Follow these steps to start using Zelle®:
- Log in to the Mobile AppFootnote 1 or Online Banking (web-based)
- Select "Send Money with Zelle®"
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
1 Mobile network carrier fees may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
You can send, request, or receive money with Zelle®.
- To get started, log into North Shore Bank's Mobile AppFootnote 1 or Online Banking (web-based) and select "Send Money with Zelle®" and you're ready to start sending and receiving with Zelle®.
- To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutesFootnote 2 if they are already enrolled with Zelle®.
- 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"Footnote 3. 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 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 account, typically within minutes.
1 Mobile network carrier fees may apply.
2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
When you enroll with Zelle® through the Mobile AppFootnote 1 or Online Banking (web-based), 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 North Shore 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 North Shore Bank of the incoming payment. North Shore Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
1 Mobile network carrier fees may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Money sent with Zelle® is typically available to an enrolled recipient within minutes1.
If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll at a participating financial institution. After enrollment, the money will be available in your recipient's account, typically within minutes1.
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 contact North Shore Bank Customer Support at 877-672-2265.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither North Shore 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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Keeping your money and information safe is a top priority for North Shore Bank. When you use Zelle® within the Mobile AppFootnote 1 or Online Banking (web-based), your information is protected with the same technology we use to keep your bank account safe.
1 Mobile network carrier fees may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account, and will be available typically within minutesFootnote 1.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select North Shore Bank.
- 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 where you received the notification to ensure you receive your money.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
You can transfer your email address or U.S. mobile phone number in Zelle®. During enrollment, you'll see a prompt notifying you that the email address or mobile phone number is already enrolled at another financial institution. You'll be asked to confirm that you want to complete the transfer and then to verify your email address or U.S. mobile phone number.
If you experience issues transferring Zelle® to North Shore Bank, contact North Shore Bank Customer Support at 877-672-2265.
Once the system or Customer Support moves your email address or U.S. mobile phone number, it will be connected to your North Shore Bank account so you can start sending and receiving money with Zelle® through the Mobile App or Online Banking.
Message and data rates may apply when using the Mobile App.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
View a full list of participating banks and credit unions live with Zelle®.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 financial institutions that offer Zelle® in order to send and receive money. You can find a full list of participating institutions live with Zelle® at Zellepay.com. If your recipient's financial institution isn't on the list, we recommend you use another payment method at this time.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle® is a great way to send money to family, friends, and people you are familiar with such as a personal trainer, babysitter or neighbor1.
Since money is sent directly from your bank account to another person's bank account within minutes2 Zelle® should only be used to send money to friends, family, and others you trust.
Neither North Shore 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.
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
You can send money to friends, family and others you trust1 even if they bank somewhere different than you do.
Since money is sent directly from your bank account to another person's bank account within minutes2, 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.
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Yes! They will receive a notification via email or text message.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.