Sign In

Payments Made Mobile

Zelle is a new and easy way to send money on your mobile phone to almost anyone, no matter where they bank.1, 2 It's fast and secure.

What else is great about Zelle? Sending money is practically seamless, since it's often deposited directly into your recipient's account within minutes.1 There's also a handy Split feature that lets you easily divide expenses, making things like splitting restaurant tabs, settling up with roommates, or reimbursing for group gifts easier.

Send
Send
Make payments. As easy as 1, 2, 3.
Request
Request
Get paid. No matter where your friends bank.1, 2
Split
Split
From dinner to tickets, it's easy to divvy up the cost among friends.

How to send money

  1. Open Zelle in Payments & Transfers on the Bank of the West mobile app and select "Send."
  2. Choose a contact, or add their U.S. mobile number or email address.
  3. Add the amount and an optional note, then send.

If the recipient is enrolled with Zelle, the money is often deposited into their account in minutes. If not, they'll get the funds within 1 to 3 business days after enrolling.1

How to request money

  1. Open Zelle in Payments & Transfers on the Bank of the West mobile app and select "Request."
  2. Choose a contact, or add their U.S. mobile number or email address.
  3. Enter the amount you're requesting and an optional note to say what it's for, then send.

Your recipient will get a request to send you money,2 and you'll often receive the funds within minutes after they've sent them.1

How to use the split feature

  1. Open Zelle in Payments & Transfers on the Bank of the West mobile app and select "Split."
  2. Choose each contact in the group who owes you money, or add their U.S. mobile number or email address.
  3. Enter the total amount to be split.
  4. Add an optional note and send.

The app will calculate each person's share, and you can adjust the amounts if necessary. Each recipient will then get a request to pay you back.

Help protect yourself from fraud

Please know that Bank of the West will never email or call you asking for your username, password or a One-Time Passcode (OTP). You should never share any of these details with anyone contacting you. Please review the links below for more information on fraud prevention and scams.

Frequently asked questions

  • Which accounts work with Zelle?

    You can use your checking, savings, or money market savings account to send and receive money with Zelle.

  • Are there fees for sending or requesting money with Zelle?

    There are no fees to use Zelle through Bank of the West Online Banking or the Mobile App. At times, Zelle may send you notifications via text message if you have registered your U.S. mobile phone. Your wireless provider may charge you per text message, so check your wireless plan before using the service.

  • Why don't I see money or a payment that I'm expecting?

    There are two main reasons why an incoming payment could be missing.

    • The payment was sent to an email address or mobile phone number not currently registered to your Zelle profile, or the sender entered the wrong email address or mobile number. Verify the address or mobile number used by the sender.
    • If you have multiple banking accounts, it is possible that the email address or mobile number entered by the sender is linked to a different banking account that you own. Verify that the deposit account is correct.

Don't have our mobile app? Download it for free:

Download on the App Store Get it on Google Play

Legal information and Disclosures

*There is no fee for enrolling with or sending money using Zelle in Bank of the West Online or Mobile Banking. Other Bank of the West fees (such as stop payment and overdraft fees) may apply. Refer to your Schedule of Fees and Charges for details. Wireless carriers may charge fees for text transmissions or data usage.

1Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

2Requests sent to a recipient's email address not enrolled in Zelle will include an invite to enroll in Zelle before the request can be processed. Bank of the West cannot process requests using a recipient's phone number not enrolled in Zelle.

3All savings and money market savings accounts are limited to a total of no more than six (6) transactions by check, draft, debit card, or similar order payable to third parties and/or pre-authorized, automatic, or telephone transfers from the account either to a third party or to another account per statement cycle for money market accounts, or per calendar month for savings accounts. This includes savings overdraft protection transfers and Online Banking transactions.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. You must be an existing Online Banking customer to use Mobile Banking. Wireless carriers may charge fees for text transmissions or data usage. Message frequency depends on the account settings. Text HELP to BKWST for help. Availability of Mobile Banking may be affected by your mobile device's coverage area.

Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.

© 2022 BMO Harris Bank N.A.
Bank of the West is a trade name used by BMO Harris Bank N.A.
Products and services are provided by BMO Harris Bank N.A. Bank of the West is not affiliated with BNP Paribas.
NMLS #401052 | Member FDIC | Equal Housing Lender

Tell us where you live

Choose your state of legal residence. We can then give you information about the products and services available in your area.

Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.