Zelle FAQ

Send and Receive Money with Zelle®

Below you'll find answers to the questions we get asked the most about Zelle. If you still have any questions, please email us at zelle@chainbridgebank.com.
1. What is Zelle?

Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking.  All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Chain Bridge Bank, N.A.

2. Who can I send money to 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 neighbor.1

Since money is sent directly from your Chain Bridge Bank, N.A. 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).

3. How do I use Zelle?

You can send, request, or receive money with Zelle®. To get started, log into the Chain Bridge Bank N.A. mobile app or online banking. In the main menu, 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,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, 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 U.S. 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 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 Chain Bridge Bank, N.A. account, typically within minutes.

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

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 Chain Bridge Bank, N.A.
      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.
5. What types of payments can I make with Zelle?

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, 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.

6. What are the limits?

DOLLAR AMOUNT
Transaction $5,000
Daily $5,000
Weekly $10,000
Monthly $15,000

TRANSACTION
Daily 10
Weekly 20
Monthly 40
7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?

As of March  31, 2025, all users must be enrolled through one of the more than 2,200 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 Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

8. I believe I've been a victim of a scam. Who should I contact?

Please contact our customer support team at 703-748-2005. Qualifying imposter scams may be eligible for reimbursement.

9. Can I use Zelle internationally?

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

10. Can I reverse or cancel a payment?

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 703-748-2005 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 703-748-2005 to determine what options are available.






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11. How long does it take to receive 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 customer support team at for assistance.

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

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

13. Is my information secure?

Keeping your money and information safe is a top priority for . When you use Zelle within the mobile app, your information is protected with the same technology we use to keep your bank account safe.
14. 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 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.

15. What if I get 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 at and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your account so you can start sending and receiving money with Zelle.

16. Can I pay a small business with Zelle?

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 Chain Bridge Bank, N.A. or online banking using just their email address or U.S. mobile number.

17. How do I get started?
It’s easy — Zelle is already available within the mobile banking app! Check your app or sign-in online and follow a few simple steps to enroll with Zelle today.






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.

Data usage, message or other charges may apply. Contact your mobile carrier provider for details.








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