Zelle®
Zelle® is a fast, safe and easy way to send and receive money in minutes1 to people and eligible small businesses you trust1, using only their US mobile number or email address. Use Zelle® in your Ocean Bank app to send money direct from your bank account to theirs.
Using Zelle® is:
How to start using Zelle®
- Video Personal
- Video Business
Zelle® FAQs
Zelle® Questions and Answers
- For Personal Use
- For Business Use
Zelle® is a fast, safe and easy way to send money with those you know and trust directly between bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to friends and family or people you know and trust, regardless of where they bank.1
You can send money to friends, family and others you trust.1
Since money is sent within minutes directly from your bank account to another bank account1 it's important to only send money to people you trust, and ensure you've used their correct email address or U.S. mobile number.
To start using Zelle® at Ocean, you must be enrolled in Online Banking.
Logging in to Online Banking or our Mobile Banking app. Select Send Money with Zelle® to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and Ocean personal deposit account you would like to use to send and receive money with Zelle®.
You can send, request or receive money with 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 phone 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”.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 phone number.
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 minutes.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 Ocean Bank.
- Follow the instructions to enroll with Zelle®. 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 neighbor.1
Since money is sent directly from your bank account to another bank account within minutes1 Zelle® should only be used to send money to friends, family and others you trust.
Neither Ocean 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.
It's easy – Zelle® is already available in Ocean Online Banking and our Mobile Banking app. Log in and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient enters their contact information, an email address, a U.S. mobile number and a Visa® or Mastercard® debit card with an account at a U.S.-based bank or credit union (note: this does not include banks and credit unions located in U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
No, Ocean Bank does not charge any fees to use Zelle® in the Ocean Bank app.1,2
When you enroll with Zelle® through Online Banking or our Mobile Banking app, your name, the name Ocean 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 Ocean).
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 Ocean of the incoming payment. Ocean then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender's and recipient's accounts must be at U.S.-based banks or credit unions.
You can cancel a payment only if the recipient you sent money to hasn't enrolled with Zelle®. To check whether your payment is still pending because the recipient hasn't enrolled, go to your Online Banking or Mobile Banking activity page, choose the payment you want to cancel and select Cancel This Payment.
If the recipient 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 others you trust, and always ensure you've used their correct email address or U.S. mobile number when sending money.
If you sent money to the wrong recipient, we recommend contacting them and requesting the money back. If you aren't able to get your money back, please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or U.S. mobile number) are made available by Ocean but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
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 be available directly in your recipient's account, typically within minutes.1
If your payment is pending, we recommend confirming that the recipient you sent money to has enrolled with Zelle® and that you entered their 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 your correct email address or U.S. mobile phone number.
Still having trouble? Please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648).
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Ocean. When you use Zelle® in Online Banking or our Mobile Banking app, your information is protected with the same technology we use to keep your bank account secure.
If you don't know the person or business 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® to pay for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Ocean 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, you may not be able to get your money back.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) and ask a representative to move your email address or U.S. mobile phone number to Ocean so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, your email address or U.S. mobile phone number will be connected to your Ocean personal account so you can start sending and receiving money with Zelle® through Online Banking and our Mobile Banking app.
The amount of money you can send, as well as the frequency, is set by each participating financial institution. Ocean Bank customers using the Zelle® service have a $3,500 daily limit with a $7,500 rolling thirty (30) days limit.
There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
Zelle® is a fast, safe, and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U.S.1,2 If your customers use Zelle® within their mobile banking app, they can send payments directly to your Ocean Bank account with just your email address or U.S. mobile number. With Zelle®, payments typically arrive within minutes1.
You can send, request, or receive money with Zelle®. To get started, log into Ocean Bank's online banking or mobile app and select "Send Money with Zelle®”. Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle®.
When you use Zelle® with a small business account, you can send money to other small businesses with an eligible account at a financial institution that offers Zelle® to small businesses. You can also send money to consumers that have access to Zelle® through their mobile banking app. At this time, we don't support sending to (or receiving from) consumers that are only enrolled in the Zelle® app.
If the small business or consumer you send money to has already enrolled with Zelle® through their bank's mobile app, the money is sent directly to their bank account and cannot be canceled. 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.
You can receive payments from consumers using Zelle® through their bank's mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle® to small businesses. At this time, you're not able to receive payments from consumers that are only enrolled in the Zelle® app.
Once you're enrolled with Zelle®, money you receive is typically available within minutes.
First, you should enroll your email address or U.S. mobile number with Zelle® through your mobile banking app and associate it with your small business banking account. Second, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. You don't need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile number to identify you. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
You can also request payments directly through your mobile banking app by clicking "Send Money with Zelle®”, selecting "Request." entering your customer's email address or U.S. mobile number, confirming the recipient is correct (make sure you've entered the correct email address or U.S. mobile number of the person or business you want to request payment from) and tapping "request”.
If your customer is using Zelle® through their bank's mobile app, they'll be able to pay you with Zelle®. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
There are a few ways you can encourage your customers to pay you with Zelle®.
• Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle®” or "Pay me with Zelle®.”
• Use Zelle® to request money3 from your customers (which will send them a notification tolling them you’ve requested payment with Zelle®).
• Add pre-approved Zelle® content to your business website: zellepay.com/small business toolkit.
Please note, you'll only be able e to receive payments from consumers using Zelle® through their financial Institution's mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.
Neither Ocean 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.
No, Ocean Bank does not charge a fee to use Zelle® with a small business account.
Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don't need to do anything different to send money to a small business they use the existing Zelle® experience they already know and trust within their bank's mobile app. However, the experience is slightly different for small businesses1, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled on the Zelle® app.
Read the updated terms and conditions that were provided by Ocean Bank.
To get started, log in to Ocean Bank's online banking or mobile app. To enroll a small business bank account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
Please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
You can only cancel a payment if the small business or consumer 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 send money to a small business or consumer that 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 trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
If you try to send money to a consumer who is enrolled in the Zelle® app, the payment won't go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending, money to users enrolled in the Zelle® app.
If you sent money to the wrong person, please immediately call our Customer Service team at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transactions records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions.
Ocean Bank business customers using the Zelle® service have a $5,000 daily limit with a $25,000 rolling thirty (30) days limit.
There are no limits to the amount of money you can receive with Zelle®. However, remember that the user sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
- For Personal Use
- For Business Use
Zelle® Questions and Answers
Zelle® is a fast, safe and easy way to send money with those you know and trust directly between bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to friends and family or people you know and trust, regardless of where they bank.1
You can send money to friends, family and others you trust.1
Since money is sent within minutes directly from your bank account to another bank account1 it's important to only send money to people you trust, and ensure you've used their correct email address or U.S. mobile number.
To start using Zelle® at Ocean, 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 Online Banking or our Mobile Banking app. Locate the Payments tab and follow the instructions to complete Online Bill Pay enrollment. Select Send Money with Zelle® to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and Ocean personal deposit account you would like to use to send and receive money with Zelle®.
You can send, request or receive money with 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 phone 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 phone number.
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 minutes.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 Ocean Bank.
- Follow the instructions to enroll with Zelle®. 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 neighbor.1
Since money is sent directly from your bank account to another bank account within minutes1 Zelle® should only be used to send money to friends, family and others you trust.
Neither Ocean 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.
It's easy – Zelle® is already available in Ocean Online Banking and our Mobile Banking app. Log in and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient enters their contact information, an email address, a U.S. mobile number and a Visa® or Mastercard® debit card with an account at a U.S.-based bank or credit union (note: this does not include banks and credit unions located in U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
No, Ocean Bank does not charge any fees to use Zelle® in the Ocean Bank app.2
When you enroll with Zelle® through Online Banking or our Mobile Banking app, your name, the name Ocean 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 Ocean).
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 Ocean of the incoming payment. Ocean then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender's and recipient's accounts must be at U.S.-based banks or credit unions.
You can cancel a payment only if the recipient you sent money to hasn't enrolled with Zelle®. To check whether your payment is still pending because the recipient hasn't enrolled, go to your Online Banking or Mobile Banking activity page, choose the payment you want to cancel and select Cancel This Payment.
If the recipient 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 others you trust, and always ensure you've used their correct email address or U.S. mobile number when sending money.
If you sent money to the wrong recipient, we recommend contacting them and requesting the money back. If you aren't able to get your money back, please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or U.S. mobile number) are made available by Ocean but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
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 be available directly in your recipient's account, typically within minutes.1
If your payment is pending, we recommend confirming that the recipient you sent money to has enrolled with Zelle® and that you entered their 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 your correct email address or U.S. mobile phone number.
Still having trouble? Please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648).
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Ocean. When you use Zelle® in Online Banking or our Mobile Banking app, your information is protected with the same technology we use to keep your bank account secure.
If you don't know the person or business 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® to pay for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Ocean 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, you may not be able to get your money back.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) and ask a representative to move your email address or U.S. mobile phone number to Ocean so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, your email address or U.S. mobile phone number will be connected to your Ocean personal account so you can start sending and receiving money with Zelle® through Online Banking and our Mobile Banking app.
Zelle® Questions and Answers
Zelle® is a fast, safe and easy way to send money with those you know and trust directly between bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to friends and family or people you know and trust, regardless of where they bank.1
You can send money to friends, family and others you trust.1
Since money is sent within minutes directly from your bank account to another bank account1 it's important to only send money to people you trust, and ensure you've used their correct email address or U.S. mobile number.
To start using Zelle® at Ocean, 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 Online Banking or our Mobile Banking app. Locate the Payments tab and follow the instructions to complete Online Bill Pay enrollment. Select Send Money with Zelle® to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and Ocean personal deposit account you would like to use to send and receive money with Zelle®.
You can send, request or receive money with 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 phone 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 phone number.
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 minutes.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 Ocean Bank.
- Follow the instructions to enroll with Zelle®. 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 neighbor.1
Since money is sent directly from your bank account to another bank account within minutes1 Zelle® should only be used to send money to friends, family and others you trust.
Neither Ocean 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.
It's easy – Zelle® is already available in Ocean Online Banking and our Mobile Banking app. Log in and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient enters their contact information, an email address, a U.S. mobile number and a Visa® or Mastercard® debit card with an account at a U.S.-based bank or credit union (note: this does not include banks and credit unions located in U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
No, Ocean Bank does not charge any fees to use Zelle® in the Ocean Bank app.2
When you enroll with Zelle® through Online Banking or our Mobile Banking app, your name, the name Ocean 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 Ocean).
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 Ocean of the incoming payment. Ocean then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender's and recipient's accounts must be at U.S.-based banks or credit unions.
You can cancel a payment only if the recipient you sent money to hasn't enrolled with Zelle®. To check whether your payment is still pending because the recipient hasn't enrolled, go to your Online Banking or Mobile Banking activity page, choose the payment you want to cancel and select Cancel This Payment.
If the recipient 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 others you trust, and always ensure you've used their correct email address or U.S. mobile number when sending money.
If you sent money to the wrong recipient, we recommend contacting them and requesting the money back. If you aren't able to get your money back, please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or U.S. mobile number) are made available by Ocean but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
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 be available directly in your recipient's account, typically within minutes.1
If your payment is pending, we recommend confirming that the recipient you sent money to has enrolled with Zelle® and that you entered their 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 your correct email address or U.S. mobile phone number.
Still having trouble? Please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648).
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Ocean. When you use Zelle® in Online Banking or our Mobile Banking app, your information is protected with the same technology we use to keep your bank account secure.
If you don't know the person or business 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® to pay for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Ocean 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, you may not be able to get your money back.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) and ask a representative to move your email address or U.S. mobile phone number to Ocean so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, your email address or U.S. mobile phone number will be connected to your Ocean personal account so you can start sending and receiving money with Zelle® through Online Banking and our Mobile Banking app.
Zelle® Questions and Answers
- For Personal Use
- For Business Use
Zelle® is a fast, safe and easy way to send money directly between bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to friends and family or people you know and trust, regardless of where they bank.1
You can send money to friends, family and others you trust.1
Since money is sent within minutes directly from your bank account to another bank account1 it's important to only send money to people you trust, and ensure you've used their correct email address or U.S. mobile number.
To start using Zelle® at Ocean, 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 Online Banking or our Mobile Banking app. Locate the Payments tab and follow the instructions to complete Online Bill Pay enrollment. Select Send Money with Zelle® to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and Ocean personal deposit account you would like to use to send and receive money with Zelle®.
You can send, request or receive money with Zelle®.
To get started, log in to Online Banking or our Mobile Banking App, select the Payments tab, then select Send Money with Zelle®. Accept the terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving money with Zelle®.
To send money, 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 click Send. In most cases, the money is available to your recipient in minutes.1
To request money, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and select Request.3
To receive money, just share your enrolled email address or U.S. mobile phone number with someone you trust 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 bank account and will be available typically within minutes.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 Ocean Bank.
- Follow the instructions to enroll with Zelle®. 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 neighbor.1
Since money is sent directly from your bank account to another bank account within minutes1 Zelle® should only be used to send money to friends, family and others you trust.
Neither Ocean 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.
It's easy – Zelle® is already available in Ocean Online Banking and our Mobile Banking app. Log in and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient enters their contact information, an email address, a U.S. mobile number and a Visa® or Mastercard® debit card with an account at a U.S.-based bank or credit union (note: this does not include banks and credit unions located in U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
When you enroll with Zelle® through Online Banking or our Mobile Banking app, your name, the name Ocean 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 Ocean).
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 Ocean of the incoming payment. Ocean then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender's and recipient's accounts must be at U.S.-based banks or credit unions.
You can cancel a payment only if the recipient you sent money to hasn't enrolled with Zelle®. To check whether your payment is still pending because the recipient hasn't enrolled, go to your Online Banking or Mobile Banking activity page, choose the payment you want to cancel and select Cancel This Payment.
If the recipient 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 others you trust, and always ensure you've used their correct email address or U.S. mobile number when sending money.
If you sent money to the wrong recipient, we recommend contacting them and requesting the money back. If you aren't able to get your money back, please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or U.S. mobile number) are made available by Ocean but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.1
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 be available directly in your recipient's account, typically within minutes.1
If your payment is pending, we recommend confirming that the recipient you sent money to has enrolled with Zelle® and that you entered their 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 your correct email address or U.S. mobile phone number.
Still having trouble? Please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648).
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Ocean. When you use Zelle® in Online Banking or our Mobile Banking app, your information is protected with the same technology we use to keep your bank account secure.
If you don't know the person or business 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® to pay for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Ocean 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, you may not be able to get your money back.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) and ask a representative to move your email address or U.S. mobile phone number to Ocean so you can use it for Zelle®.
Your email address or U.S. mobile phone number will be connected to your Ocean personal account so you can start sending and receiving money with Zelle® through Online Banking and our Mobile Banking app.
Zelle® is a fast, safe, and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U.S.2 If your customers use Zelle® within their mobile banking app, they can send payments directly to your Ocean Bank account with just your email address or U.S. mobile number. With Zelle®, payments typically arrive within minutes1.
You can send, request, or receive money with Zelle®. To get started, log into Ocean Bank's online banking or mobile app and select "Send Money with Zelle®”. Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle®.
When you use Zelle® with a small business account, you can send money to other small businesses with an eligible account at a financial institution that offers Zelle® to small businesses. You can also send money to consumers that have access to Zelle® through their mobile banking app. At this time, we don't support sending to (or receiving from) consumers that are only enrolled in the Zelle® app.
If the small business or consumer you send money to has already enrolled with Zelle® through their bank's mobile app, the money is sent directly to their bank account and cannot be canceled. 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.
You can receive payments from consumers using Zelle® through their bank's mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle® to small businesses. At this time, you're not able to receive payments from consumers that are only enrolled in the Zelle® app.
Once you're enrolled with Zelle®, money you receive is typically available within minutes.
First, you should enroll your email address or U.S. mobile number with Zelle® through your mobile banking app and associate it with your small business banking account. Second, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. You don't need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile number to identify you. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
You can also request payments directly through your mobile banking app by clicking "Send Money with Zelle®”, selecting "Request." entering your customer's email address or U.S. mobile number, confirming the recipient is correct (make sure you've entered the correct email address or U.S. mobile number of the person or business you want to request payment from) and tapping "request”.
If your customer is using Zelle® through their bank's mobile app, they'll be able to pay you with Zelle®. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
There are a few ways you can encourage your customers to pay you with Zelle®.
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or "Pay me with Zelle®.”
- Use Zelle® to request money3 from your customers (which will send them a notification tolling them you’ve requested payment with Zelle®).
- Add pro approved Zelle® content to your business website: zellepay.com/small business toolkit.
Please note, you'll only be able e to receive payments from consumers using Zelle® through their financial Institution's mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.
Neither Ocean 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.
No, Ocean Bank does not charge a fee to use Zelle® with a small business account.
Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don't need to do anything different to send money to a small business they use the existing Zelle® experience they already know and trust within their bank's mobile app. However, the experience is slightly different for small businesses2, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled on the Zelle® app.
Read the updated terms and conditions that were provided by Ocean Bank.
To get started, log in to Ocean Bank's online banking or mobile app. To enroll a small business bank account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
Please call Ocean Bank at 1-844-623-2648 so we can help you.
You can only cancel a payment if the small business or consumer 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 send money to a small business or consumer that 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 trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
If you try to send money to a consumer who is enrolled in the Zelle® app, the payment won't go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending, money to users enrolled in the Zelle® app.
If you sent money to the wrong person, please immediately call our customer support team at 1-844-623-2648 so we can help you.
Zelle® is a fast, safe and easy way to send money with those you know and trust directly between bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to friends and family or people you know and trust, regardless of where they bank.1
You can send money to friends, family and others you trust.1
Since money is sent within minutes directly from your bank account to another bank account1 it's important to only send money to people you trust, and ensure you've used their correct email address or U.S. mobile number.
To start using Zelle® at Ocean, 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 Online Banking or our Mobile Banking app. Locate the Payments tab and follow the instructions to complete Online Bill Pay enrollment. Select Send Money with Zelle® to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and Ocean personal deposit account you would like to use to send and receive money with Zelle®.
You can send, request or receive money with 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 phone 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 phone number.
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 minutes.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 Ocean Bank.
- Follow the instructions to enroll with Zelle®. 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 neighbor.1
Since money is sent directly from your bank account to another bank account within minutes1 Zelle® should only be used to send money to friends, family and others you trust.
Neither Ocean 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.
It's easy – Zelle® is already available in Ocean Online Banking and our Mobile Banking app. Log in and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient enters their contact information, an email address, a U.S. mobile number and a Visa® or Mastercard® debit card with an account at a U.S.-based bank or credit union (note: this does not include banks and credit unions located in U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
No, Ocean Bank does not charge any fees to use Zelle® in the Ocean Bank app.2
When you enroll with Zelle® through Online Banking or our Mobile Banking app, your name, the name Ocean 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 Ocean).
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 Ocean of the incoming payment. Ocean then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender's and recipient's accounts must be at U.S.-based banks or credit unions.
You can cancel a payment only if the recipient you sent money to hasn't enrolled with Zelle®. To check whether your payment is still pending because the recipient hasn't enrolled, go to your Online Banking or Mobile Banking activity page, choose the payment you want to cancel and select Cancel This Payment.
If the recipient 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 others you trust, and always ensure you've used their correct email address or U.S. mobile number when sending money.
If you sent money to the wrong recipient, we recommend contacting them and requesting the money back. If you aren't able to get your money back, please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) so we can help you.
Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or U.S. mobile number) are made available by Ocean but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
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 be available directly in your recipient's account, typically within minutes.1
If your payment is pending, we recommend confirming that the recipient you sent money to has enrolled with Zelle® and that you entered their 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 your correct email address or U.S. mobile phone number.
Still having trouble? Please contact Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648).
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Ocean. When you use Zelle® in Online Banking or our Mobile Banking app, your information is protected with the same technology we use to keep your bank account secure.
If you don't know the person or business 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® to pay for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Ocean 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, you may not be able to get your money back.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call Ocean Customer Service at 1-844-OCEAN4U (1-844-623-2648) and ask a representative to move your email address or U.S. mobile phone number to Ocean so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, your email address or U.S. mobile phone number will be connected to your Ocean personal account so you can start sending and receiving money with Zelle® through Online Banking and our Mobile Banking app.
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Zelle® is available to Ocean Bank account holders who are U.S. residents and U.S. businesses.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. To send and receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience.
2Mobile carrier's messaging and data rates may apply.
3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Terms and conditions apply.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.