Enroll or log into your account2 with online or mobile banking
Select Move Money from the left-side menu bar
Then select Send Money With Zelle®
Accept Terms and Conditions
Select your U.S. mobile number1 or email address and deposit account
That’s it! You’re ready to start sending and receiving money with Zelle®.
Send money directly from your account to theirs, typically in minutes3
Send and receive money with Zelle® using online banking or our mobile banking app2
Send money using just their U.S. mobile number or email address4
We will never send you a link by text or email asking you for your account number, online banking password, secure access code or PIN.
If you have replied to or clicked on a link from a text message or email, please call us immediately, 719.593.8600 or 800.223.1983
Visit our Scam and Fraud page to stay up to date on current scams and frauds.
Frequently Asked Questions
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.3 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2
You can send money to friends, family and others you trust.2
Since money is sent directly from your bank account to another person's bank account within minutes,3 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.
To get started, log in to Air Academy Federal Credit Union's online banking or mobile app and navigate to the "Send Money With Zelle®" located under the "Move Money" drop down option from the left-side menu bar. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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.3
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."4
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®.
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:
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 Air Academy Federal 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.
It's easy — Zelle® is already available within Air Academy Federal Credit Union's mobile banking app and online banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution 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.
©2023 Mastercard. All rights reserved. Mastercard® is a registered trademark of Mastercard International Incorporated.
©2023 Visa. All rights reserved. Visa® is a registered trademark of Visa International Services Association.
When you enroll with Zelle® through your online or mobile banking, 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 Air Academy Federal 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 Air Academy Federal Credit Union of the incoming payment. Air Academy Federal Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender's and recipient's bank accounts must be based in the U.S.
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 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 a member service representative at 719.593.8600 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Air Academy Federal Credit Union but are a separate service from Zelle® and can take one to three business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
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 a member service representative at 719.593.8600.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Air Academy Federal Credit Union. When you use Zelle® within online and mobile banking, your information is protected with the same technology we use to keep your bank account safe.
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 Air Academy Federal 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 a member service representative at 719.593.8600 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 a member service representative 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 Air Academy Federal Credit Union online and mobile banking. Please call a member service representative at 719.593.8600 for help.
To respond to a request for money, go to Zelle®. Select “Activity” to view the pending request and then choose to accept, decline or modify the amount requested.
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®.
Terms and conditions subject to change. Membership requirements apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.