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After a simple enrollment process, you can quickly send or receive money. 

Online Banking

Log in to your America First account and click the Zelle link in the Quick Links box. 

Mobile App

Log in to Mobile Banking, click the Transfers button, then select Send Money with Zelle®.

We have partnered with Zelle® to bring you a fast, safe, and easy way to send and receive money with friends, family, and other people you trust.2

Zelle® is available right in online & mobile banking, so you don’t need to download anything new to start sending and receiving money!

Zelle is fast


The money goes directly into your account in minutes.3 And it’s available to spend just as quickly.

Zelle is fast


When you use Zelle® within Online Banking or Mobile Banking, your information is protected with the same technology we use to keep your account safe

Zelle is fast


Zelle® lets you skip the trip to the ATM and send money directly to friends and family

With Zelle®, people can easily pay back their friends for last night’s dinner, split the rent with their roommate, or pitch in for a coworker’s baby shower. With just a few clicks, you can send and receive money with others who have a checking or savings account in the U.S. using just an email address or U.S. mobile number.

You can also use your phone’s camera to quickly scan someone’s Zelle® QR code and send them money. To find your own, click the Request tab, followed by the QR Code icon in online banking. While using Zelle® in America First mobile banking, click the QR Code icon and then select My Code.


Watch the videos to learn more about Zelle®

Pay It Safe With Zelle®

Digital payments continue to grow in popularity across the U.S. And with issues like identity theft and other cybercrimes on the rise, it’s important to know what you can to do help protect yourself and your money when sending & receiving money digitally.

only send money to those you trust

Only Send Money to Those you Trust

With Zelle®, you can send money from your account to someone else’s within minutes.3 It’s a great way to pay friends, family, your coworkers, and almost anyone else you trust, but it shouldn’t be used to pay strangers.

beware of payment scams

Beware of Payment Scams

If a deal sounds too good to be true, it probably is. Zelle® doesn’t offer a protection program for authorized payments, so only use Zelle® to pay people you know and trust.

treat zelle like cash

Treat Zelle® Like Cash

Money moves fast—directly into the enrolled recipient’s account. Always double check you have the recipient’s correct U.S. mobile number or email address, so the money goes to the right person.

The Science Behind Scams

Zelle® partnered with Vox to create the Explainer Series, "The Science Behind Scams," educating folks about modern day scams. Think you can spot a scam? Check out the series and take the quiz!

If you’d like more information on peer-to-peer payments safety, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).

Helpful Tips for Using Mobile Payments Services and Avoiding Risky Mistakes
Tips on Using Peer-to-Peer Payment Systems and Apps
How to Keep Your Personal Information Secure Online


1 Mobile network carrier fees may apply.

2 Must have a bank account in the U.S. to use Zelle®.

3 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

4 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®.

Copyright © 2022 America First Credit Union. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.

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