Zelle®
It's a fast, safe and easy way to send money.
Start sending money with Zelle
Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1, and all you need is the recipient's email address or U.S. mobile phone number.
Get Started On Our Mobile App
Mobilize your money with Zelle. To get started, log into Lake Ridge Bank online banking, navigate to Bill Pay and enroll. Once enrolled in Bill Pay, you can then select "Send Money with Zelle" and...
- Send money fast in just a few steps.
- Settle up with roommates, friends and more, regardless of where they bank2
- Easily divide the check for dinner coffee and more.
To send money using Zelle:
Log in to your online banking account.
Select the "Zelle" option from the menu.
Enroll with your email or phone number if you have not already.
Enter the recipient's email or phone number.
Enter the amount and confirm the transfer.
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 for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Lake Ridge 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.
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 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, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call customer services at (608) 223-3000 so we can help you.
Scheduled and recurring payments are features provided by Lake Ridge Bank in our online banking and mobile banking app and are not features of Zelle. Please contact customer services with any questions concerning scheduling or recurring payments.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team (608) 223-3000 and ask them to move your email address or U.S. mobile phone number to Lake Ridge Bank so you can use it for Zelle.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Lake Ridge Bank account so you can start sending and receiving money with Zelle through the Lake Ridge Bank mobile banking app and online banking. Please call Lake Ridge Bank customer support toll-free at (608) 223-3000 for help.
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, Zelle should only be used to send money to friends, family and others you trust.
Neither Lake Ridge 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.
Keeping your money and information safe is a top priority for Lake Ridge Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, 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 Lake Ridge Bank).
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 Lake Ridge Bank of the incoming payment. Lake Ridge Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
You can send money to friends, family and others you trust. Since money is sent directly from your bank account to another person's bank account within minutes, 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.
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 move directly to 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 customer services at (608) 798-2400.
Yes! They will receive a notification via email or text message.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient's financial institution 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.
In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
2 Must have a bank account in the U.S. to use Zelle.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.