Frequently Asked Questions: Zelle®
Learn more about using Zelle® with your American Express® Rewards Checking account.
Zelle® is a fast and convenient way to send or receive money for no fee with people you know and trust from your American Express® Rewards Checking account.1
1 Enrollment in Zelle® with a Rewards Checking account is required to use the service. To send or receive money at American Express, both parties must be enrolled with Zelle® directly through their U.S.-based financial institution’s online or mobile banking experience. Transactions between enrolled consumers typically occur in minutes. Select transactions could take up to three business days.
Enroll with Zelle® using either your email address or U.S. mobile number associated with your Rewards Checking account. You can access Zelle® in the American Express® App or online.
Yes, you're able to transfer your email address or U.S. mobile number during the Zelle® enrollment process as long as they're associated with your Rewards Checking account.
You can send, request, or receive money with Zelle®. To get started, log in to the Amex® App or your account online. Go to the “Pay” section of your Rewards Checking account, select “Send Money with Zelle®” and then “Get Started”.
To send money using Zelle®, select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is typically available to your recipient in minutes if they're already enrolled with Zelle®1.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review, and hit “Request”. The person you're requesting money from must be enrolled with Zelle® before you're able to send them a request.
To receive money, share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you've already enrolled with Zelle®, you don't need to take any further action. The money will be sent directly into your Rewards Checking account, typically within minutes.1
If someone sent you money with Zelle® and you haven't 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 “American Express National Bank”.
3. Follow the instructions provided on the page to enroll and receive your payment. Make sure to note 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.
1 Enrollment in Zelle® with a Rewards Checking account is required to use the service. To send or receive money at American Express, both parties must be enrolled with Zelle® directly through their U.S.-based financial institution’s online or mobile banking experience. Transactions between enrolled consumers typically occur in minutes. Select transactions could take up to three business days.
You can sync your contacts from your mobile phone to easily send money to friends and family. You can also add a trusted recipient's email address or U.S. mobile phone number.
Zelle® is a great way to send money to family, friends, and people you're familiar with such as your personal trainer, babysitter or neighbor.
Since money is sent directly from your Rewards Checking account to another person’s bank account typically within minutes1, Zelle® should only be used to send money to friends, family, and others you trust.
If you don’t know the person or aren’t sure you'll get what you paid for (for example, items bought from an online bidding or sales site), you shouldn't use Zelle®. These transactions are potentially high risk, just like sending cash to a person you don’t know is high risk.
Neither American Express nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you don't receive the item you paid for, or the item is not as described or as you expected. 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.
1 Enrollment in Zelle® with a Rewards Checking account is required to use the service. To send or receive money at American Express, both parties must be enrolled with Zelle® directly through their U.S.-based financial institution’s online or mobile banking experience. Transactions between enrolled consumers typically occur in minutes. Select transactions could take up to three business days.
If both parties are enrolled with Zelle®, the money is typically available within minutes. Select transactions could take up to three business days.
If you believe you're a victim of a scam, please contact us at 1-877-221-2639 and see Account Safety Tips for tools and resources available to you to help protect your Rewards Checking account.
If you don’t recognize a Zelle® transaction or believe there has been an error, please contact us at 1-877-221-2639.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Zelle® payments cannot be reversed.
You can only cancel a payment if the person you sent money to hasn’t enrolled with Zelle®, or if the payment is currently under security review by us. To cancel the payment, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel Payment.” If you’re having difficulty finding this option, please contact us at 1-877-221-2639 for assistance with canceling the pending payment.
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 your intended recipient did not receive the money, please call us at 1-877-221-2639.
American Express doesn't charge any fees for using Zelle® in the Amex® App or online. Mobile carrier fees may apply.
There are no limits to receiving money. Please click here to view limits for sending money.
American Express takes online security very seriously. Learn more about some of the steps we take to protect your account.
If you no longer wish to send or receive money with Zelle® using your Rewards Checking account, you can unenroll your email or U.S. mobile number in your Zelle® settings. If you unenroll your email or U.S. mobile number, you'll still have access to your Zelle® transaction history.
Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log in to the Amex® App, click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here, you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code.
To receive money, share your Zelle® QR code.
To send money, log in to the Amex® App, click “Send money with Zelle®”, then “Send,” and click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.