fbpx
FandMBank_whitelogo
  • Personal
    • Checking Accounts
      • Cash Reward Checking
      • Cash Back Checking
      • No Frills Checking
      • Visa Check Cards
    • -
      • Savings and CDs
      • Personal Loans
      • Convenience Services
      • Credit Cards
      • Online and Mobile Banking
      • Send Money
    • -
      • Make A Payment
      • Open An Account
      • Apply For A Loan
    • -
      • Compare Options
      • Custom OptionsCompare personal checking options to manage everyday spending.
  • Personal
    • Checking Accounts
      • Cash Back Checking
      • Cash Reward Checking
      • No Frills Checking
      • Visa Check Cards
    • Savings and CDs
    • Personal Loans
    • Convenience Services
    • Credit Cards
    • Online & Mobile Banking
    • Send Money
    • Make A Payment
    • Open An Account
    • Apply For A Loan
    • Compare Options
  • Business
    • -
      • Business Solutions
        • Cash Management
        • Merchant Account Services
        • Insured Cash Sweep and CDARS
        • Check Recovery Services
        • Add-On Services
    • -
      • Business Checking Accounts
      • Checking for Non-profits
      • Business Savings Accounts
      • Agriculture Financing
      • Business Financing
      • Business Credit Cards
      • Business Digital Banking
    • -
      • Open An Account
      • Get In Touch
    • -
      • Compare Options
      • Custom OptionsCompare business checking options to manage cash flow.
  • Business
    • PPP Loan Forgiveness
    • Apply For PPP
    • Business Solutions
      • Cash Management
      • Merchant Account Services
      • Insured Cash Sweep & CDARS
      • Check Recovery Services
      • Add-On Services
    • Business Checking Accounts
    • Business Savings Accounts
    • Agriculture Financing
    • Business Financing
    • Business Credit Cards
    • Business Digital Banking
    • Open An Account
    • Get In Touch
    • Compare Options
  • Mortgages
    • Mortgage Loan Programs
      • Purchase Loans
      • Refinance Loans
      • Home Equity Loans
      • Construction Loans
      • Investment Property Loans
      • Reverse Mortgage
      • Bridge Loans
    • -
      • Meet Our Team
      • Check Out The Latest in Mortgage News
      • Mortgage FAQ
      • Prepare For Your Application
      • Contact Us
      • About Us
    • -
      • Apply Here For A Mortgage
      • Login To Your Account
      • Pay Deposit on Fees
    • -
      • Compare Options
      • Custom OptionsCustomized options to finance your dream home.
  • Mortgages
    • Mortgage Loan Programs
      • Purchase Loans
      • Refinance Loans
      • Home Equity Loans
        • HELOC Special
      • Construction Loans
      • Investment Property Loans
      • Reverse Mortgage
      • Bridge Loans
    • Meet Our Team
    • Check Out The Latest In Mortgage News
    • Mortgage FAQ
    • Prepare For Your Application
    • Contact Us
    • About Us
    • Apply Here For A Mortgage
    • Login To Your Account
    • Compare Options
  • Wealth Management
    • Local Market Dashboard
  • About
    • -
      • Staff
      • Testimonials
    • -
      • Employment
      • Investor Relations
    • -
      • Calendar Photography Contest
      • JMU Alumni’s Affinity Banking Partner
    • -
      • Employment Opportunities
      • Custom OptionsApply to become a member of our team.
  • About
    • Staff
    • Testimonials
    • Investor Relations
    • Calendar Photography Contest
  • Support
    • -
      • Lost Card
      • Order Checks
    • -
      • F.A.Q.s
      • Secure File Upload
      • Holiday Hours & Inclement Weather
        • Financial Education
    • -
      • Fraud Prevention Services
      • Identity Theft Protection
  • Support
    • Lost Card
    • Order Checks
    • F.A.Q.s
    • Holiday Hours & Inclement Weather
    • Secure File Upload
    • Fraud Prevention Services
    • Identity Theft Protection
    • Safe Banking for Seniors
  • Blog
    • All Blog Posts
    • Press Releases
    • In The Community
    • Bank Products & Services
    • Technology
    • Mortgage
    • Personal Finance
  • Rates
  • Contact
    • COVID-19 Client Resources
    • Contact Information
    • Locations
  • Make A Payment
  • Search
  • Menu Menu

Zelle

You are here: Home1 / Zelle
F&M Bank
Zelle

Send and Receive Money with Zelle®

Enroll Now
 

Introducing Zelle — a fast, safe and easy way to send money in minutes1 to friends, family and others you trust2, right from the F&M Bank mobile app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your F&M Bank app.

Fast

Send money directly from your account to theirs — typically in minutes.1

Safe

Send or receive money right from your F&M Bank app.

Easy

Send money to almost anyone you know and trust2 using just an email address or U.S. mobile phone number.

What is Zelle?
Your browser does not support HTML5 video.
Download the F&M Bank App:
App Store
Google Play

Enroll today and send money to friends and family:

1
    Log into the F&M Bank app.
2
    In the main menu, select "Transfer and Pay".
3
    Select "Send money with Zelle®".
4
    Enroll your U.S. mobile number or email address.
5
    You’re ready to start sending and receiving money with Zelle.

Zelle® FAQs

 

1. What is Zelle?

Zelle is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union 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 their financial institution2.

2. Who can I send money to with Zelle?

You can send money to friends, family and others you trust2.

Since money is sent directly from your account to another person’s bank or credit union 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 phone number.

3. How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into your mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving 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 phone number), add 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 using Zelle, 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”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 with Zelle.

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

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your F&M Bank account, typically within minutes1.

If 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 F&M Bank.
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone 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 F&M Bank, 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. How do I get started?

It’s easy — Zelle is already available within the F&M Bank mobile banking app! Check your app or sign-in online and follow a few simple steps to enroll with Zelle today.

7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing> If the recipient's bank or credit union isn't participating yet, your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, 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). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

8. How does Zelle work?

When you enroll with Zelle through the F&M Bank app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with F&M Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies F&M Bank of the incoming payment. F&M Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

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 cancel a payment?

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 the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank or credit union 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, call our customer support team at (540) 896-8941 team so we can help you.

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 F&M Bank customer support team at (540) 896-8941 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 F&M Bank. When you use Zelle within the F&M Bank 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 F&M Bank 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 (540) 896-8941 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 F&M Bank 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 your mobile banking app using just their email address or U.S. mobile number.

Neither F&M Bank, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

DOWNLOAD THE F&M Bank APP:
App Store
Google Play
 

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

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.

Have Questions? Get In Touch

phone icon540-896-8941
  • This field is for validation purposes and should be left unchanged.

Have Mortgage Questions? Get In Touch

phone icon540-442-8583
  • This field is for validation purposes and should be left unchanged.
nielsen builders testimonialman holding bottle of wine at barren ridge vineyards

"F&M Bank was the financial institution
to best handle our needs."

That's My Bank

"F&M Bank heard our story and
believed in and supported our vision."

That's My Bank
View Testimonials
white F&M Bank logo

Corporate Office
P.O. Box 1111
Timberville, VA 22853
Get Directions
Office: 540-896-8941

Investor Relations

Financial Information

FMBM 22.58

Quick Links

  • Checking & Savings
  • Credit Cards
  • Personal Loans
  • Business Loans
  • Mortgages
  • Switch & Save
  • Lost Card
  • Privacy Policy
  • Other Disclosures
  • Current Rates

Manage Accounts

  • Online Banking Login
  • Make A Payment
  • Inquire About A Service

Wire Transfer Instructions

For Domestic And International Wires

Employment

Current Openings And Opportunities!

Subscribe Newsletter

Get latest updates and offers.

Sign Up
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest
  • Mail
FDIC logo

NMLS# 414464

Routing# 051404419

Locations
© Copyright F&M Bank | Website Designed & Developed By Estland
Scroll to top