online & mobile banking / send & receive money with zelle

Send money in minutes — and never miss a moment1

Zelle® lets you quickly send funds to nearly anyone you trust — anytime, anywhere — within the Frost App. Whether you’re settling an IOU or splitting the cost of a meal, all you need is an email address or U.S. mobile number to move your money in minutes.1

Image of sending money with Zelle
Enroll in Zelle How Zelle works Explore the app Zelle for personal Zelle for business Security How to use Zelle FAQ's

It’s fast, easy and free to use

  • Fast
    With a few taps of your smartphone, you can send or request money nearly instantly.1,2
  • Easy
    Zelle is available through the Frost App you already know, no learning curve required.
  • Free
    Send money to friends or family without ever spending extra for the transaction.3
Enroll in Zelle
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Here’s how Zelle works

It’s directly within our app, simplifying how you send, request and receive money.

1 Enroll
Sign up through the Frost App or Frost Online Banking and link your email address or U.S. mobile phone number to your bank account.
2 Choose to send or request
Send payments to people you trust — up to $2,000 a day per recipient — and make requests from people you know as needed.4
3 Select recipient
With an email address or U.S. mobile number, Zelle can be used to send or receive money from almost anyone with a U.S. bank account.
1 Enroll
Sign up through the Frost App or Frost Online Banking and link your email address or U.S. mobile phone number to your bank account.
2 Choose to send or request
Send payments to people you trust — up to $2,000 a day per recipient — and make requests from people you know as needed.4
3 Select recipient
With an email address or U.S. mobile number, Zelle can be used to send or receive money from almost anyone with a U.S. bank account.
Scanning a friend's QR Code

Peace of mind, all in one code

Zelle QR codes let you move money without the need for mobile numbers or email addresses. Simply scan or share a Zelle QR code with our app. It keeps your personal information safe — and payments just as convenient.

Scan a recipient’s Zelle QR code to send them money quickly.
Share your QR code, located in your Zelle preferences, to receive money securely.
Print your QR code on flyers and cards so others can send you money easily.
Explore the Frost App

Designed for personal and business needs alike

2 People sharing Zelle Credentials
Personal accounts
Need to pay back a friend? Looking for a fast way to divvy up that lunch tab? Zelle connects with every personal checking account at Frost so you can move money in your everyday life with ease.
Personal Checking Accounts
Two people looking at phone and laptop
Business accounts
Whether they’re a pet sitting client or a lawn service vendor, any customer with access to Zelle can send payments from their account to any business checking account at Frost seamlessly.5
Business Checking Accounts

Get ahead of fraud — and stay there

At Frost, your security is our highest priority. While we’re always monitoring fraud on payment apps like Zelle, there are three rules to keep top of mind:
  • Frost will never ask you to send money to anyone.
  • We will never contact you via phone or text to request a security code.
  • You should only send money to people you know and trust.
Don’t hesitate to give us a call if you ever suspect fraud. You can also visit our Fraud Prevention page to stay up to date on the latest trends.
Learn More
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How to use Zelle

1 Download the Frost App, available in the App Store and Google Play
2 Select the "Send Money with Zelle" option from the menu and follow the on-screen instructions
3 Provide your phone number or email address
4 Set up your profile
5 Start using Zelle

1 Tap “Send money” in the Frost App
2 Choose who you’d like to send money to
3 Enter the payment amount
4 Select which account you’d like to send it from
5 Choose the date if not today
6 Confirm the details and tap “Send”

1 Tap “Request money”2 and choose or add a contact
2 Enter the amount you're requesting
3 Funds will be deposited into the default account
4 Confirm the details and hit “Request”

To send money:

1 In the Frost App, select “Send money with Zelle”
2 Tap the QR code icon located at the top right of your device
3 Scan the recipient’s QR code to easily get contact information
4 Confirm and send

To request money:

1 In the Frost App, select “Request money with Zelle”
2 Tap “View my QR code” underneath the search field
3 From here, you can view your QR code to print or share with others

1 In the Frost App, select “Send money with Zelle”
2 Go to “Preferences”
3 Go to “Manage Payment Profiles”
4 Find the account you want to delete, then swipe left with your finger

1 Log into Frost Online Banking
2 Select the “Send money” option
3 Provide your U.S. phone number or email address
4 Set up your profile
5 Start using Zelle

1 Hover over “Send money” in the menu
2 Select “Send Money” in the drop down
3 Choose all transaction details from the same screen
4 Review the details and click “Next”
5 Confirm details once again and hit “Send payment”

1 Hover over “Send money” in the menu
2 Select “Request Money” from the drop down
3 Choose all transaction details from the same screen
4 Review the details and click “Next”
5 Confirm details once again and click “Request payment”

1 Go to “Manage Payment Profiles”
2 Click on “Edit”
3 Select the payment profile you want to delete
4 Tap "Delete and unenroll"

Frequently Asked Questions

Confirm with your recipient that they have enrolled with Zelle. Also confirm that you entered the correct email address or U.S. mobile number for your recipient. Still having trouble? We’re always here to help. Give us a call 24/7 at (800) 513-7678.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.

If you have not yet enrolled with Zelle, follow these steps:
  • Click on the link provided in the payment notification you received via email or text message.
  • Select Frost.
  • 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 with Zelle using that email address or U.S. mobile number to ensure you receive your money.

Take these steps immediately:

You can find a full list of participating banks and credit unions live with Zelle here. If your recipient’s bank isn’t on the list, don’t worry. The list of participating financial institutions is always growing, and 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.

You can only cancel a payment if the small business or individual 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 another individual that has already enrolled with Zelle through their banking mobile app, the money is sent directly to their bank account and cannot be canceled3. 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 give us a call 24/7 at (800) 513-7678.

Your email address or U.S. mobile phone may already be enrolled with Zelle at another bank or credit union. The Frost App will provide you with steps to move your email address or U.S. mobile phone number from the institution where you initially enrolled to your desired bank account at Frost. If you have any questions, we’re always here to help. Give us a call 24/7 at (800) 513-7678.

Neither Zelle nor Frost 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.

We’re always here to help. Give us a call 24/7 at (800) 513-7678.

Whether you use Zelle with a small business account or a personal checking account with Frost, Zelle uses the same extensive network to initiate payments to small businesses and consumers. Consumers that are already enrolled with Zelle through the Frost 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 the 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.

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 and Frost do 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 give us a call 24/7 at (800) 513-7678.

Confirm with your recipient that they have enrolled with Zelle. Also confirm that you entered the correct email address or U.S. mobile number for your recipient. Still having trouble? We’re always here to help. Give us a call 24/7 at (800) 513-7678.

There are a few ways you can encourage your customers to pay you with Zelle:
  • Tell your customers that you accept payments with Zelle, and they can easily send you money right from their banking app.
  • Include it as a payment method on your invoices, such as “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.
  • Please note, you’ll only be able to receive payments from consumers using Zelle through their bank’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle app using a debit card.

To request money with Zelle, select “Send Money with Zelle®” in the Frost App, choose “Request,” select the individual or business from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.

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 to enroll a small business account with Zelle. For example, email@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

Read the updated terms and conditions that were provided by Frost Bank. You’re able to continue using Zelle as normal, except you will not be able to send money to a consumer that registered for Zelle using a debit card instead of a checking account.

The email address or U.S. phone number may already be enrolled with Zelle at another bank or credit union. The Frost App will provide you with steps to move your enrollment over to Frost. If you have any questions, we’re always here to help. Give us a call 24/7 at (800) 513-7678.

If your small business was already using Zelle, but has recently moved to a small business account either proactively or because we sent you a message indicating you need to transition to a small business account:
Please read the updated terms and conditions provided and accept them to continue using Zelle.

No, Zelle does not integrate directly with accounting software at this time. However, since Zelle is connected to your bank account, you can see all Zelle transactions in Frost Online Banking and download a report to integrate into your existing software. To download a transaction report, log into Frost Online Banking, click “Download Transactions” on the right-hand navigation and select the account, date range, and report format.

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