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Zelle

A fast, safe, and easy way to send money.

Send and Receive Money with Zelle®

Introducing Zelle — a fast, safe and easy way to send money in minutes1 to friends, family and others you trust2, right from AMNB's digital banking or mobile app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. 

FAST

Send money directly from your account to theirs — typically in minutes.1

SAFE

Send or receive money right from American National's online and mobile banking platform.

FREE

There are no fees to send money with Zelle from online or mobile banking.3

What is Zelle?

 



Enroll today and send money to friends and family:

  1. Log into the American National online or mobile banking app.
  2. In the main menu, select "Send money with Zelle."
  3. Enroll your U.S. mobile number or email address, then accept the terms and conditions.
  4. You're ready to start sending money with Zelle.

Zelle is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of their financial institution2.

When you enroll with Zelle through American National, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with us). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies American National of the incoming payment. We then direct the payment into your bank account, all while keeping your sensitive account details private.

You can send money to friends, family and others you trust2.

Since money is sent directly from your account to another person’s bank or credit union account within minutes1, 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 phone number.

Zelle is an entirely free way to send and receive money through American National's online and mobile banking platform.

Some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your mobile banking app using just their email address or U.S. mobile number.

Neither American National, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

In order to use Zelle, the sender's and recipient’s bank accounts must be based in the U.S.
It’s easy — Zelle  is already available within American National online and mobile banking! Find it within online banking and follow a few simple steps to enroll with Zelle  today.
Yes, you can send and receive money within American National's online banking platform.
Yes. To add Zelle service to more than one account, you must use a different email address or phone number for each enrolled account.

Zelle is a great way to send money to friends, family, or others you trust, such as your personal trainer, babysitter, or neighbor.

If you do not know the person or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you not use Zelle for these types of transactions are potentially high risk. Zelle does not offer a protection program for any authorized payments made with Zelle, e.g., if you make a purchase using Zelle but do not receive the purchased item or the item is not as described or as you expected.

Yes, keeping your money and information safe is a top priority for Truity Credit Union. When you use Zelle within Truity Credit Union's digital banking, your information is protected with the same technology we use to keep your bank account safe. To make your payments more secure, Zelle uses authentication and monitoring features.

If you don’t know the person, 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 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 American National 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.

Visit this page that outlines how you can safely use mobile payment apps and services.






Zelle  is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle  should only be used to send money to people you trust.

Neither American National, 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 can send, request, or receive money with Zelle . To get started, log into online banking or your banking app and select “Send Money with Zelle”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving 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.” In most cases, the money is available to your recipient in minutes1.

To request money using Zelle , 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 hit “Request”3.

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 .

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. After enrollment, the money will move directly to 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 right 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 call the American National customer support team at 800240.8190 for assistance.

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle. You can go to the activity page within the Zelle experience of your mobile app or online banking, choose the payment you want to cancel, and then select “Cancel.”

If your recipient has already enrolled with Zelle, the money is sent directly to their bank or credit union 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please contact us for assistance.
Yes! They will receive a notification via email or text message.

If you have already enrolled with Zelle , you do not need to take any further action. The money will move directly into your American National account, typically within minutes1.

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select American National Bank.
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle  using that email address or U.S. mobile phone number to ensure you receive your money.

You can find a full list of participating banks and credit unions live with Zelle  here(Opens in a new Window).

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing. If the recipient's bank or credit union isn't participating yet, your recipient can still use Zelle  by downloading the Zelle  app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa or Mastercard debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

If the funds are never claimed on the receiving end, the money will be credited back to the sending account in 14 business days.













1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
2 Must have a bank account in the U.S. to use 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.

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