Technology / Send and receive money with Zelle®

Send money in minutes — and never miss a moment1

Zelle® lets you quickly send money anytime, anywhere within the Frost App.

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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 in the Frost App

  • Fast
    With a few taps of your smartphone, you can send or request money quickly.1
  • Easy
    Send money right from the Frost App.
  • Free
    Send money to friends or family via the Frost App without ever spending extra for the transaction.1
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.2
3 Select recipient
Zelle® lets you send and receive money with almost anyone you know using an email address or U.S. mobile number — they just need an eligible U.S. bank account.
Scanning a friend's QR Code

Peace of mind, all in one code

Zelle® QR codes let you send money without the need for U.S. mobile numbers or email addresses. Simply scan or share a Zelle® QR code with our app. It helps to keep your personal information secure and makes payments 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.
Explore the Frost App

Designed for personal and business needs alike

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Personal accounts

Need to pay back a friend? Looking for a fast way to split the cost of that lunch tab? Zelle® connects with eligible personal checking accounts at Frost so you can send money in your everyday life with ease.
Personal Checking Accounts
Business people

Business accounts

Zelle® keeps up with the speed of your business. Any customer with access to Zelle® can send payments from their account to eligible business checking accounts at Frost.3
Business Checking Accounts

Get ahead of fraud — and stay there

At Frost, your security is our highest priority. While we're always monitoring for fraud and scams, 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 you’re a victim of fraud or a scam. 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 Tap “Move Money” in the Frost App
3 Tap “Zelle”
4 Tap “Get Started”
5 Tap on “Accept & Continue” in “Terms & Conditions” screen
6 Select phone number or email associated to the user
7 Select an account to deposit money in
8 Start using Zelle

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

1 Tap “Move Money” in the Frost App
2 Tap “Zelle”
3 Tap “Request”
4 Choose who you’d like to request money from, or add new recipient
5 Enter the amount you're requesting
6 Funds will be deposited into the default account
7 Confirm the details and hit “Request payment”

To send money:

1 Tap “Move Money” in the Frost App
2 Tap “Zelle”
3 Tap “Send”
4 Tap “Scan the QR code to send money with Zelle”
5 Scan the recipient’s QR code to easily get contact information
6 Confirm and send

To request money:

1 Tap “Move Money” in the Frost App
2 Tap “Zelle”
3 Tap “Request”
4 Tap “View my QR code to be paid with Zelle”
5 From here, you can view your QR code to print or share with others

1 Tap “Move Money” in the Frost App
2 Tap “Zelle”
3 Tap “Preferences”
4 Go to “Manage Payment Profiles”
5 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.

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.

You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle® through their bank’s mobile app.

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 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.

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.

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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