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THIS IS HOW MONEY MOVES.®

Introducing Zelle® — a fast, safe, and easy way to send money in minutesi to friends, family and others you trust, right from the Coastal Community Bank mobile app. Zelle makes it easy to send money to, or receive money from, people you trust — no matter where they bankii. Find Zelle in your Coastal Community Bank mobile app. 

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Key Features

  • Fast
  • Safe
  • Easy

Send money in the moment.

SEND

Your student needs just one more book – When life’s unexpected obstacles get in the way, easily send money to those who need it.

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."

REQUEST

Your friend forgets his wallet – Don’t worry about covering your friends, Zelle lets you request money and get paid back quickly.

Send your friend a request and a way to pay you back directly with Zelle. Just enter their U.S. mobile number or email address, the amount they owe you, and hit send (if your friend isn't enrolled yet, you can only send a request using their email address). When your friend responds, the money will appear in your Coastal bank account

SPLIT

For birthday dinners without the math – Split the bill and get paid in a flash.

Zelle makes it easy to quickly split the bill with a built-in calculator. Just tap the "split" button, select the people in your group and enter the total amount you want to split. Zelle sends a request to everyone for their share (If your friend isn't enrolled yet, you can only send a request using their email address).

1. What is Zelle?

Zelle replaced People Pay as our partner to send and receive money with people you trust. Zelle is a fast, safe, and easy way to send money to and receive money from friends, family, and other people you know and trusti. typically within minutesii. using their email or U.S. mobile phone number.

2. Who can I send money to with Zelle?

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

Since money is sent directly from your bank account to another person’s bank 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 number.

3. Who can use Zelle?

Customers enrolled in Coastal Community Bank online banking and mobile banking. Please make sure have the most recent Coastal mobile app. Contact customer support at 425.257.9000 or [email protected] if you have questions. 

4. How do I use Zelle?

You can send, request, or receive money with Zelle. To get started:

  • Log into the Coastal mobile app and select “Zelle” in the menu. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions. You must enroll an email or U.S. mobile phone number and link a deposit account. You will receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.
  • Add or select a recipient - To add a trusted recipient, select the “+” icon at the upper right of your screen and enter your recipient’s information. If your recipient is already in your list of recipients, select their name and continue.
  • Enter the amount and select your funding account - Enter the amount you want to send and choose an account to fund your payment. Click “Continue.”
  • Review and send – Carefully review the details of your payment before you send it. After you send your payment you’ll get a confirmation screen with details of your payment. Once the payment is sent, it cannot be cancelled if the recipient is already enrolled, even if you send it to the wrong person.
  • Recipient is notified – Your recipient will be notified by email or text message with the details of your payment and instructions on how to enroll to receive the money if your recipient is not already enrolled.
  • Recipients must enroll to receive money – If your recipient is not enrolled with Zelle, they’ll need to enroll to receive money. They will have fourteen (14) days to complete their one-time enrollment using the same email address or U.S. mobile number you used to send them the payment. If your recipient does not enroll with Zelle within 14 days, the money will be returned back to your account. Once your recipient enrolls with Zelle, the money will move directly into their account and will typically be available in minutes.
  • 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"iii.
  • 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.  

5. Someone sent me money with Zelle, how do I receive it?

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

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 Coastal Community Bank.
  3. 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 to ensure you receive your money.

6. What types of payments can I make with Zelle?

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

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 friends, family, and others you trust.

Neither Coastal Community 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, or if you send money to the wrong recipient.

7. Are there any fees to send money using Zelle?

Coastal Community Bank doesn’t charge a fee to send or receive money with Zelleiv, however, there may be scenarios where using Zelle may incur charges. For example:

  • If you send a transaction for which you have insufficient funds to cover the transaction, non-sufficient funds (NSF) fees may apply.
  • If you initiate transactions from a savings account, excessive transaction fees could apply (see Fee Schedule).

8. How do I get started?

It’s easy — Zelle is already available within your mobile banking app! Check our app and follow a few simple steps to enroll with Zelle today.

9. What if I want to send money to someone whose bank doesn’t offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and 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.

10. How does Zelle work?

When you enroll with Zelle through your mobile app, 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). 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 your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

11. Can I use Zelle internationally?

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

12. Can I cancel a payment?

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

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. 

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 call us at 425.257.9000 so we can help you.

13. How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutesi.

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 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 give our customer support team a call at 425.257.9000 or get in touch through our support page. 

14. Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

15. Is my information secure?

Keeping your money and information safe is a top priority. When you use Zelle within our mobile app your information is protected with the same technology we use to keep your bank account safe.

16. I’m unsure about using Zelle to pay someone I don’t know. What should I do?

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 Coastal Community Bank nor Zelle offer 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.

17. What if I receive an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team for assistance in moving your email address or U.S. mobile phone number to Coastal Community Bank so you can use it for Zelle.

Once your email address or U.S. mobile phone number has been moved, it will be connected to your bank account so you can start sending and receiving money with Zelle through Coastal Community Bank’s mobile banking app and online banking. Please call customer support at 425.257.9000 for assistance.

i Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
ii Must have a bank account in the U.S. to use Zelle.
iii In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.
iV Mobile carrier fees may apply.

How Zelle Works

ENROLL WITH ZELLE AND GET YOUR MONEY MOVING.

Unlock more convenience from your mobile banking app by using Zelle. Enjoy the benefits of a fast, safe, and easy way of sending and receiving money in minutesi .

Download our app today!

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

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

iii In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.

iV Mobile carrier fees may apply.

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