Send Money Fast with Zelle®

Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Washington Trust.

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.

Since money is sent directly from your Washington Trust account to another person’s bank account within minutes, 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)

You can send, request or receive money with Zelle®. To get started, log in to the Washington Trust. [Insert location of Zelle® in your app. Ex. In the main menu, select "Transfer and Pay." Then "Send money 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 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,” 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.” 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 U.S. 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 Washington Trust 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. Select Washington Trust.
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

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

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 Washington Trust.
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 where you received the notification to ensure you receive your money.

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.

Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle® should only be used to send money to friends, family and others you trust.

Neither Washington Trust 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

It's easy – Zelle® is already available within Washington Trust's digital banking desktop and mobile banking apps.  You can find Zelle in the "Transfer, Pay or Send" section and follow a few simple steps to enroll today.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

When you enroll with Zelle® through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Washington Trust). 

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 Washington Trust of the incoming payment. Washington Trust then directs the payment into your bank account, all while keeping your sensitive account details private

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 select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 800-475-2265 for assistance with canceling the pending payment. 

If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app [include if applicable: “or online banking”], 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.

Money sent with Zelle® is typically available to an enrolled recipient within minutes. 

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 be available directly in your recipient's account, typically within minutes. 

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct 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 contact our customer support team at 800-475-2265.

Yes! They will receive a notification via email or text message.

Keeping your money and information secure is a top priority for Washington Trust. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Washington Trust account safe

No, Washington Trust does not charge any fees to use Zelle® in the Washington Trust Banking App. 

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

Zelle® QR codes 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 Washington Trust Banking 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 Washington Trust Banking App, click “Send Money With Zelle®,” click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply 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.

Neither Washington Trust 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.

Please contact our customer support team at 800-475-2265. Qualifying imposter scams may be eligible for reimbursement.