Zelle FAQ

Zelle is an easy, fast, and safe 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 know and trust, regardless of where they bank.

You can send money to friends, family, and people you know with a bank account in the United States. We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.

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. Zelle should only be used to send money to friends, family, and others you trust.

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

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

Magnolia State Bank does not charge any fees to use Zelle².

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

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

If the person you sent money to has already enrolled with Zelle, 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at (478) 374-3418 so we can help.

Money sent with Zelle is typically available to an enrolled person within minutes¹.