Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1, and all you need is the recipient's email address or U.S. mobile phone number.
Mobilize your money with Zelle
Send
Send money fast in just a few steps.
Request
Settle up with roommates, friends and more, regardless of where they bank2.
Split
Easily divide the check for dinner, coffee and more.
FAQs
Zelle is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes1. 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 trust2.
Since money is sent directly from your bank account to another person's bank account within minutes1, 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.
You can send, request, or receive money withZelle.
- To get started, log into CPB's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving withZelle.
- To send money usingZelle, 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 minutes1.
- To request money usingZelle, 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"3.
- 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 withZelle.
If you have already enrolled withZelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.
If you have not yet enrolled withZelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select "Send Money with Zelle".
- 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 withZelleusing that email address or U.S. mobile number where you received the notification to ensure you receive your money.
Zelleis a great way to send money to family, friends, 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,Zelleshould only be used to send money to friends, family and others you trust.
Neither CPB norZelleoffers a protection program for any authorized payments made withZelle– 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 –Zelleis already available within CPB's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll withZelletoday.
You can find a full list of participating banks and credit unions live withZellehere.
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 useZelleby downloading theZelleapp for Android and iOS.
To enroll with theZelleapp, 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).Zelledoes not accept debit cards associated with international deposit accounts or any credit cards.
When you enroll withZellethrough your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared withZelle(no sensitive account details are shared – those stay with Central Pacific Bank).
When someone sends money to your enrolled email address or U.S. mobile number,Zellelooks up the email address or mobile number in its "directory" and notifies CPB of the incoming payment. CPB then directs the payment into your bank account, all while keeping your sensitive account details private.
International customers with Central Pacific Bank are able to accessZelleusing an email address (and will therefore not need a US-based domestic phone number) if they have a domestic mailing address registered with the bank.
You can only cancel a payment if the person you sent money to hasn't yet enrolled withZelle. 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 withZelle, 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 our customer service center at(808) 544-0500or toll free at(800) 342-8422so we can help you.
Scheduled and recurring payments are features provided by CPB in our online banking and mobile banking app and are not features ofZelle. Please contact customer service with any questions concerning scheduling or recurring payments.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent withZelleis typically available to an enrolled recipient within minutes1.
If you send money to someone who isn't enrolled withZelle, 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 withZelleand 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 call our customer service center at(808) 544-0500or toll free at(800) 342-8422so we can help you.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for CPB. When you useZellewithin our mobile app or online 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 useZellefor 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 CPB norZelleoffers a protection program for any authorized payments made withZelle– 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 withZelleat another bank or credit union. Call our customer service support center at(808) 544-0500or toll free at(800) 342-8422and ask them to move your email address or U.S. mobile phone number to CPB so you can use it forZelle.
Once customer service 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 withZellethrough the mobile banking app and online banking. Please call CPB's customer support at(808) 544-0500or toll free at(800) 342-8422for help.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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.
