Send and receive money with Zelle
Zelle is a great way for small businesses to send, request and receive money from customers and vendors, right through your online banking or mobile banking app.1, 2 It's fast, safe, and easy.

Send

Request

Split
How to send money
- Open Zelle® in Payments & Transfers on the Bank of the West mobile app or in online banking, and select "Send."
- Choose a contact, or add their U.S. mobile number or email address.
- Add the amount and an optional note, then send.
If the recipient is enrolled with Zelle, the money is sent directly to their account, typically in minutes1.
How to request money
- Open Zelle® in Payments & Transfers on the Bank of the West mobile app or in online banking, and select "Request."
- Choose a contact, or add their U.S. mobile number or email address.
- 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 money2, and once they respond and send your payment, the money will be sent directly to your account and available to use, typically in minutes1.
Small businesses Pay It Safe with Zelle
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FAQs
What is Zelle?
Zelle® is a fast, safe and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U.S.1 If your customers use Zelle within their mobile banking app, they can send payments directly to your Bank of the West bank account with just your email address or U.S. mobile phone number. With Zelle, payments typically arrive within minutes1
How do I use Zelle with a small business account?
You can send, request, or receive money with Zelle. To get started, log into Bank of the West's online banking or mobile app and select "Send Money with Zelle®. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle.
How can I determine if a financial institution is part of the Zelle network?
You can review the list of Zelle Participating Financial Institutions to determine Zelle participants.
Who can I send money to with Zelle when I have a small business bank account?
When you use Zelle with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle to small businesses. You can also send to consumers that have access to Zelle through their mobile banking app. At this time, we don't support sending to (or receiving from) consumers that are only enrolled in the Zelle app using a debit card.
If the small business or consumer you send money to has already enrolled with Zelle through their bank's mobile app, the money is sent directly to their bank account and cannot be canceled. 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.
I have a small business bank account. Who can I receive payments from with Zelle?
You can receive payments from consumers using Zelle through their bank's mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle to small businesses. At this time, you're not able to receive payments from consumers that are only enrolled in the Zelle app using a debit card.
What if I've used Zelle through another financial institution?
You can still enroll and use Zelle through Bank of the West. Zelle does not restrict you from enrolling in multiple financial institutions. However, the same email address or U.S mobile phone number cannot be used in multiple financial institutions to receive money.
If you would like to use the same email address or U.S mobile phone number to receive money at Bank of the West that has been previously used to receive money at another financial institution, then you need to transfer that email address or U.S. mobile phone number to Bank of the West from the Zelle activity screen. You will get an email confirmation after the email address or U.S mobile phone number is transferred.
How long does it take to receive payments with Zelle?
Once you're enrolled with Zelle, money you receive is typically available within minutes.
Do mortgage principal and pre-payments qualify for forgiveness?
No. However, business mortgage interest payments do qualify, including interest on business loans secured by real estate or personal property.
How do I receive payments with Zelle?
First, you should enroll your email address or U.S. mobile number with Zelle through your mobile banking app and associate it with your small business account. Second, share your enrolled email address or U.S. mobile phone number with your customers and ask them to send you payment with Zelle right from their banking app. You don't need to share any sensitive account details; they can send you money byusing your enrolled email address or U.S. mobile phone number to identify you. After the consumer sends you payment with Zelle, you will receive your money directly into your enrolled bank account.
You can also request payments directly through your mobile banking app by clicking "Send money with Zelle®," selecting "Request," entering your customer's email address or U.S. mobile number, confirming the recipient is correct (their name or their email address/U.S. mobile number will pop up – make sure it's the person or business you want to request payment from) and tapping "request".
If your customer is using Zelle through their bank's mobile app, they'll be able to pay you with Zelle. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle app with their debit card (not with a deposit account), they will not be able to send you money with Zelle, and you should arrange for a different payment method.
How do I tell my customers that they can pay me with Zelle?
There are a few ways you can encourage your customers to pay you with Zelle.
- Tell customers verbally that you accept payments with Zelle, and that they can easily send you money right from their banking app
- Print it on an invoice. We recommend adding "I accept payments with Zelle®"
- Use Zelle to request money from your customers (which will send them a notification telling them you've requested payment with Zelle)
- Add pre-approved Zelle content to your business website.
Please note, you'll only be able to receive payments from consumers using Zelle through their financial institution's mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle app using a debit card.
How do I use Zelle to request a payment from my customer?
To request money with Zelle, select "Send Money with Zelle®" in your Bank of the West mobile banking app, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request".5
Do Zelle or Bank of the West offer purchase protection?
Neither Bank of the West nor Zelle does not offer 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.
Are there any fees to use Zelle with a small business account at Bank of the West?
No, Bank of the West does not charge a fee to use Zelle with a small business account.
I want to use Zelle to send and receive money with friends from my personal bank account, as well as to receive payments for my small business from my business account. Are there any differences in the experience?
Whether you use Zelle with a business account or a consumer account, Zelle uses the same extensive network to initiate payments to small businesses and consumers. Consumers that are already enrolled with Zelle through their mobile banking app don't need to do anything different to send money to a small business – they use the existing Zelle experience they already know and trust within their bank's mobile app. However, the experience is slightly different for small businesses, as small businesses cannot currently receive payments from consumers that are only enrolled in the Zelle app using a debit card.
I already use Zelle through my personal bank account. How do I enroll to use Zelle with my small business bank account?
To get started, log into Bank of the West's online banking or mobile app. To enroll a small business bank account with Zelle, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle. For example, crystal@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
If I use Zelle for my small business, will Zelle integrate with accounting software?
No, Zelle does not integrate directly with accounting software at this time. However, since Zelle is connected to your bank account, you are able to see all Zelle transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle transactions.
How do I know if my small business is eligible to use Zelle?
If you mostly receive payments from your customers or make payments to your suppliers via either cash or check, your business may be a good fit for Zelle.
Who should I call if I have questions or need help?
Please call (800) 488-2265 (TTY 1-800-659-5495) and select option 3, for assistance.
Can I cancel a payment if I sent money using Zelle?
You can only cancel a payment if the small business or consumer 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 send money to a small business or consumer that has already enrolled with Zelle through their bank's mobile app, 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 try to send money to a consumer that is only enrolled in the Zelle app using a debit card, the payment won't go through and a message will pop-up to let you know the payment cannot be completed. With small business accounts, Zelle does not currently support sending money to debit card users in the Zelle app.
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 us at (800) 488-2265 (TTY 1-800-659-5495) and select option 3, for assistance.
Is there a limit to how much money I can send with Zelle?
Yes. When sending money, you'll see the daily and monthly limits in the mobile app or within Bank of the West Business Online Banking. Zelle sends payments quickly, with recipients typically receiving the money within minutes.1 Bank of the West has set a daily limit of $2,000 and a monthly limit of $5,000 on these Zelle payments.
If a recipient is not enrolled in Zelle, it may take 1 to 3 business days to receive the money once the enrollment is complete.
Bank of the West has arranged with Zelle to allow recurring and future-dated payments within the Zelle application. These payments may be made in a different method and speed than other payments made with Zelle in Bank of the West Business Online Banking and the Mobile Banking App. These types of payments may be made in 1 to 3 business days with the following limits:
- Daily Limit - $5,000
- $2,500 limit for Zelle payments using a recipient's email or U.S. mobile phone number
- $2,500 limit for payments using a recipient's account and routing number2
- Monthly Limit - $10,000 ("monthly" means a rolling 30-day period)
- $5,000 limit for Zelle payments using a recipient's email or U.S. mobile phone number
- $5,000 limit for payments using a recipient's account and routing number2
Is there a limit on the number of transactions I can send and receive with Zelle each month?
Yes. When sending money, you'll see the daily and monthly limits in the mobile app or within Bank of the West Business Online Banking. Zelle sends payments quickly, with recipients typically receiving the money within minutes.1 Bank of the West has set a daily limit of $2,000 and a monthly limit of $5,000 on these Zelle payments.
If a recipient is not enrolled in Zelle, it may take 1 to 3 business days to receive the money once the enrollment is complete.
Bank of the West has arranged with Zelle to allow recurring and future-dated payments within the Zelle application. These payments may be made in a different method and speed than other payments made with Zelle in Bank of the West Business Online Banking and the Mobile Banking App. These types of payments may be made in 1 to 3 business days with the following limits:
- Daily Limit - $5,000
- $2,500 limit for Zelle payments using a recipient's email or U.S. mobile phone number
- $2,500 limit for payments using a recipient's account and routing number2
- Monthly Limit - $10,000 ("monthly" means a rolling 30-day period)
- $5,000 limit for Zelle payments using a recipient's email or U.S. mobile phone number
- $5,000 limit for payments using a recipient's account and routing number2
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. If the recipient is not enrolled, as soon as the person enrolls, the money moves directly into their account - typically in minutes
2To send money to or receive money from a small business, a consumer must be enrolled with Zelle through their bank's mobile app. Small businesses are not able to enroll in the Zelle app, and cannot receive payments from consumers enrolled in the Zelle app. Requests sent to a recipient's email address not enrolled with Zelle will include an invite to enroll with Zelle before the request can be processed. Bank of the West cannot process requests using a recipient's U.S. mobile phone number not already enrolled with Zelle.
3All savings accounts are limited to a total of no more than nine (9) 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. If you exceed the nine (9) countable transfers in the statement cycle period (for money market Accounts) or calendar month (for savings Accounts), the Bank will notify you.
4You 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.
5In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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