Send & receive money with Zelle®

You can send, receive, or request money with Zelle®. To get started, log into the Arizona Credit Union’s online banking or mobile app and select “Send 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 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,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”

To receive money, just share your enrolled email address or U.S. mobile number with a friend 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 Arizona Financial account, typically within minutes.

If someone sent you money with Zelle® and 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 Arizona Financial Credit Union.

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.

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

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 Arizona Financial Credit Union account to another person’s bank account within minutes¹, Zelle® should only be used to send money to friends, family and others you trust. 

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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

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 the Arizona Financial mobile app or online banking using just their enrolled email address, U.S. mobile number, or Zelle® tag.

No, Zelle® payments cannot be reversed.

You can only cancel a payment if the person 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 602-683-1000 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking 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 602-683-1088 to determine what options are available.

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

Money sent with Zelle® is typically available to an enrolled recipient within minutes.³

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.³

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 contact our member support team at 602-683-1000.

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

Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number. 

To locate your Zelle® QR code, log into the AZFCU app click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and your QR code will be displayed under “Profile”. Click on “Tap QR for more details”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.

To send money, log into the AZFCU app, click “Send money with Zelle®”, 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. 

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.³

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 Arizona Financial Credit Union.
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 where you received the notification 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.²

Since money is sent directly from your bank account to another person's bank account within minutes,³ Zelle® should only be used to send money to friends, family and others you trust.

Neither Arizona Financial Credit Union 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.

Arizona Financial Credit Union does not charge fees to send or receive money with Zelle^®, but there is a $35.00 stop payment fee to cancel a Zelle^® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

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

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Arizona Financial Credit Union send limits, call our customer service at 602-683-1000.

At Arizona Financial Credit Union, 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.

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

When you enroll with Zelle® through your online banking or mobile banking app, your name, the name of your Financial Institution, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Arizona Financial Credit Union).

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 Arizona Financial Credit Union of the incoming payment. Arizona Financial Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.

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 Arizona Financial Credit Union 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team at 602-683-1000 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

Once member support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Arizona Financial Credit Union banking app and online banking. Please call our member support team at 602-683-1000 for help.