Send and receive money with Zelle^®

Zelle^® is a fast, safe and easy way to send money directly between almost any bank or credit union 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 trust², regardless of where they bank.

You can send, request, or receive money with Zelle^®. To get started, log into the First Bank Mobile App or online banking. Tap "+" at the bottom of the screen, then choose the Zelle^® icon.

To send money using Zelle^®, simply choose 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 available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose "Request," choose the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your First Bank and Trust Company of Illinois account, typically within minutes.

If someone sent you money with Zelle^® and 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. Choose First Bank and Trust Company of Illinois.
3. 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.

Zelle^® is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction, such as the ability to dispute purchase transactions. Once you send money with Zelle, you cannot cancel the payment if your recipient has already enrolled. Neither First 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.

When you enroll with Zelle^® through the First Bank Mobile App and Online Banking, 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 First Bank & Trust Company of Illinois). 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 First Bank of the incoming payment. First Bank then directs the payment into your First Bank account, all while keeping your sensitive account details private.

Keeping your money and information safe is a top priority for First Bank and Trust Company of Illinois. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your First Bank and Trust Company of Illinois account safe.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your First Bank and Trust Company of Illinois account to another person's bank account within minutes², 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 will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither First Bank and Trust Company of Illinois nor Zelle^® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you do not know the person or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle^® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you do not know is high risk). Neither First Bank nor Zelle^® offers a purchase 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.

No, First Bank and Trust Company of Illinois does not charge any fees to use Zelle^® in our mobile app.

Your mobile carrier's messaging and data rates may apply.

Standard Account fees (e.g., monthly service, overdraft) may apply to First Bank account(s) with which you use 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 neighbor.

Since money is sent directly from your First Bank account to another person bank account within minutes, Zelle^® should only be used to send money to friends, family and others you trust.²

Neither First 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.

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 First Bank Mobile App or online banking using just their email address or U.S. mobile number.

Neither First Bank and Trust Company of Illinois nor Zelle^® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

The Service is intended for personal, not business or commercial use at this time.

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.

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 choose "Cancel This Payment". If you do not see this option available, please contact our customer support team at 847-358-6262 for assistance with canceling the pending payment.

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 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, please immediately call our customer support team at 847-358-6262 so we can help you.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle^®.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your First Bank account, typically within minutes.

If you have not yet enrolled with First Bank Online Banking and/or Zelle^®, please contact us at 847-358-6262.

You can find a full list of participating banks and credit unions live with Zelle^® at Zellepay.com.

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, 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 or 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.