ZelleĀ® is a convenient way to send and receive money with friends, family and others you trust. Whether youāre splitting the cost of a meal, gift, or trip, ZelleĀ® makes it easy to pay your share. Over 100 million people are enrolled with ZelleĀ®, so you can send money to friends and family even if they donāt bank at Ukrainian Selfreliance Federal Credit Union.* **ZelleĀ® currently only available to legacy UKRFCU members in the UKRFCU app and Online Banking.
Why use ZelleĀ®?
CONVENIENT
ZelleĀ®Ā is available in the UKRFCU App, so thereās no need to download another app.
FAST
Money goes straight into your account and is available to use in minutes.*
PRIVATE
All you need is an email address or U.S. mobile number. Your account information and activity stay private.
Make the switch to Zelle
Search for the app by typing UKRFCU into the App Store or on Google Play from your mobile device or download by clicking one of the icons below:
Enroll with ZelleĀ® in 3 simple steps:
Online Banking
UKRFCU App
- Login to Online Banking
- Select ZelleĀ®Ā in the Move Money tab
- Enroll your U.S. mobile number or email address
- Open the UKRFCU App
- Tap the More icon.
- Tap theĀ ZelleĀ®Ā icon at the top of the menu.
- Enroll your U.S. mobile number or email address
Youāre ready to start sending and receiving money with ZelleĀ®. ZelleĀ®Ā transactions show up in your checking account activity, so you can easily keep track of your money.
Next time you need to send money, use ZelleĀ®!
ZelleĀ® Frequently Asked Questions:
How do I use ZelleĀ®?
You can send, request, or receive money with ZelleĀ®. To get started, log into UKRFCUās online banking or mobile app. In the main menu, select āSend money with ZelleĀ®.ā
To send money using ZelleĀ®, simply select someone from your mobile deviceās contacts (or add a trusted recipientās email address or U.S. mobile number), add the amount youād like to send and an optional note, review, then hit āSend.ā The recipient will receive an email or text message notification via the method they used to enroll with ZelleĀ®. Money is available to your recipient in minutes if they are already enrolled with ZelleĀ®.
To request money using ZelleĀ®, choose āRequest,ā select the individual from whom youād like to request money, enter the amount youād like, include an optional note, review and hit āRequestā. If the person you are requesting money from is not yet enrolled with ZelleĀ®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
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 ZelleĀ®. If you have already enrolled with ZelleĀ®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.
If someone sent you money with ZelleĀ®Ā and you have not yet enrolled with ZelleĀ®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select UKRFCU .
- 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 ā you should enroll with ZelleĀ®Ā using that email address or U.S. mobile number to ensure you receive your money.
Is my information secure?
Keeping your money and information secure is a top priority for Ukrainian Selfreliance Federal Credit Union. When you use ZelleĀ®Ā within our mobile appĀ or online banking, your information is protected with the same technology we use to keep your Ukrainian Selfreliance Federal Credit Union account safe.
Who can I send money to with ZelleĀ®?
ZelleĀ®Ā is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.*
Since money is sent directly from your Ukrainian Selfreliance Federal Credit Union account to another personās bank account within minutes*, ZelleĀ®Ā should only be used to send money to friends, family and others you trust.
If you donāt know the person or arenāt sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use ZelleĀ®. These transactions are potentially high risk (just like sending cash to a person you donāt know is high risk).
Can I pay a small business with ZelleĀ®?
Some small businesses are able to receive payments with ZelleĀ®. Ask your favorite small business if they accept payments with ZelleĀ®. If they do, you can pay them directly from the UKRFCU App or online banking using just their email address or U.S. mobile number.
Does Ukrainian Selfreliance Federal Credit Union or ZelleĀ® offer purchase protection?
Neither Ukrainian Selfreliance Federal Credit Union nor ZelleĀ® offers purchase protection for payments made with ZelleĀ® ā 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 small businesses you trust and always ensure youāve used the correct email address or U.S. mobile number when sending money
I believe Iā²ve been a victim of a scam. Who should I contact?
Please contact our customer support team at 215-725-4430. Qualifying imposter scams may be eligible for reimbursement.
Can I use ZelleĀ® internationally?
In order to use ZelleĀ®, the sender and recipientās bank or credit union accounts must be based in the U.S.
Can I reverse cancel a payment?
No, ZelleĀ® payments cannot be reversed.
You can only cancel a payment if the person you sent money to hasnāt yet enrolled with ZelleĀ®. To check whether the payment is still pending because the recipient hasnāt yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select āCancel This Paymentā. If you do not see this option available, please contact us at 215-725-4430 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with ZelleĀ® through their bank or credit unionās mobile app or online banking, the money is sent directly to their bank account and cannot be canceled. This is why itās important to only send money to people you know and trust, and always ensure youāve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call us at 215-725-4430.
Are there any fees to send money using ZelleĀ®?
No, UKRFCU does not charge any fees to use ZelleĀ®Ā in our mobile app.
Your mobile carrierās messaging and data rates may apply.
What if I want to send money to someone whose bank or credit union doesnā²t offer ZelleĀ®?
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer ZelleĀ®Ā 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 ZelleĀ®Ā atĀ Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
How do I use a ZelleĀ® QR code?
ZelleĀ® QR codes provide peace of mind knowing you can send money to the right person without typing an email address or mobile number. Find ZelleĀ® in
the UKRFCU app, click āSend,ā then click on the QR code icon displayed at the top of the āRecipientsā screen. Your phoneās camera will open. To send money using a ZelleĀ® QR code, simply point your camera at the recipientās ZelleĀ® QR code, enter the amount and hit āSend,ā and the money is on the way! When sending money to someone new, itās always important to confirm the recipient is correct by reviewing the displayed name before sending money. You can also locate your ZelleĀ® QR code by opening the UKRFCU app, navigating to āSend Money with ZelleĀ®ā and clicking your ZelleĀ® settings. From here, you can see your ZelleĀ® QR code.
Iāve heard thereās a change to the ZelleĀ® app. What is happening?
More than 2,200 banks and credit unions across the U.S. now offer ZelleĀ®Ā through their mobile app or online banking site. As a result of this growth, in October of 2024, we announced that we are removing the ability for users to send or receive money using the ZelleĀ®Ā app starting April 1, 2025.
If you use the standalone ZelleĀ®Ā app, you should have received messaging about this change through various emails and in-app notifications. To continue using ZelleĀ®, all standalone app users must enroll through one of the more than 2,200 banks and credit unions that offer ZelleĀ®Ā through their mobile app.
If you are a standalone ZelleĀ®Ā app user and previously received money from someone through ZelleĀ®, you may need to let them know that you wonāt be able to receive payments until you enroll with a bank or credit union that offers ZelleĀ®.
To see if your bank or credit union offers ZelleĀ®, please visitĀ https://enroll.zellepay.com.
If youāre already using ZelleĀ®Ā within your mobile banking app, then there are no changes, and you do not need to take any action.
For more information, please visit ourĀ announcement from October.
