Zelle^® for your Business

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, visit a branch to sign up. After that, log into Apple Bank's online banking or mobile app.

Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle^®.

To send money with 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.” In most cases, the money is available to your recipient in minutes.¹

To receive money using Zelle^® with a small business account, 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. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^® with a small business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, visit a branch to confirm your eligibility and sign up.

No, Apple Bank does not charge any fees to use Zelle^® with a business account.

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

Neither Apple Bank nor Zelle^® offers purchase protection for 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 businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

No, Zelle^® payments cannot be reversed.

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 do not see this option available, please contact our customer support team at 914-902-2775 for assistance with canceling the pending payment.

If you send money to a small business or consumer that 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 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 914-902-2775 to determine what options are available.

Please contact our customer support team at 914-902-2775. Qualifying imposter scams may be eligible for reimbursement.

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

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

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 money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).²

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 transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions. 

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Apple Bank's send limits, call our customer service at  914-902-2775. 

At Apple Bank, 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^® Business accounts must first sign up at one of our convenient branches. Once enrolled, a Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.

To locate your Zelle^® QR code, login to online banking and navigate to Zelle^®. Click “Send” then click on the QR code icon displayed at the top of the "Select Recipient" screen. Navigate to "My Code." From here you can view and use the print or share icons to text or email your Zelle^® QR code.

To send money, to someone using the Zelle^® QR code, click “Send” then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle^® QR code, enter the amount, hit “Send” and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before sending money.