Send and receive money with Zelle®

Enroll with Zelle^® Now

1. Log into Northwest Online and Mobile Banking
2. Select Send Money with Zelle®
3. Enroll your U.S. mobile number and/or email address
4. You're ready to start sending and receiving money with Zelle®.

Frequently Asked Questions

1. What is Zelle®?
Zelle® is a fast, secure and easy way to send and receive money directly between domestic bank accounts, typically in minutesⁱ. Using their email address or U.S. mobile number, you can send money directly to friends, family and others you trust, regardless of where they bankⁱⁱ.

2. How much does it cost to use Zelle®?
Northwest Bank does not charge any fees to use Zelle® within the Northwest mobile banking app or online banking. Mobile network carrier fees may apply.

3. Is my information secure?
Keeping your money and personal data safe is our top priority. 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 secure.

4. How does Zelle® work?
When you enroll with Zelle®through the Northwest mobile banking app or 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 secure within our applications.

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 Northwest of the incoming payment. Payment is sent directly to your bank account, all while keeping your sensitive account details private.

5. How do I enroll with Zelle®?

• To get started, log into online banking or our mobile banking app, and select “Send Money with Zelle®”.

• After accepting the terms and conditions, enter your email address or U.S. mobile number. You’ll receive a one-time verification code to complete your enrollment.

To send money using Zelle®, simply add the recipient’s email address or U.S. mobile number, enter the amount, review, then click “Send.” In most cases, the money is available to your recipient in minutesⁱ. 

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, review and click “Request”ⁱⁱⁱ.

• To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. 

6. How much money can I send with Zelle®?
The minimum amount you can send when using Zelle® at Northwest Bank is $5. To see the maximum amount we allow you to send, click “Limits” when setting up a payment in online banking or the mobile banking appⁱⁱⁱⁱ.

7. How do I edit a scheduled or recurring transaction?
To make changes to a scheduled or recurring payment, click on the “Activity” tab, go to “Pending” and click “Edit Payment”. Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Northwest, but are a separate service from Zelle® and can take 1 – 3 business days to process.

8. Someone sent me money with Zelle®. How do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly to your bank account, usually within minutesⁱ.

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, or click here.
• Select Northwest Bank.
• 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 the email address or U.S. mobile number where you received the notification to ensure you receive your money.

9. What if I want to send money to someone whose bank doesn’t offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank 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.

10. Can I cancel a payment?
You can 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.

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 Northwest at (877) 672-5678 so we can help you.

Scheduled and recurring payments are features provided by Northwest in our online banking and mobile banking app and are not features of Zelle®. Please contact us at (877) 672-5678 with any questions concerning scheduling or recurring payments.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Northwest but are a separate service from Zelle® and can take 1 – 3 business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

11. How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutesⁱ.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the funds will move directly to your recipient’s account, typically within minutesⁱ.

If your payment is pending, we recommend confirming that the recipient has enrolled with Zelle® and that you entered their correct email address or U.S. mobile 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 number.

Still having trouble? Please contact Northwest at (877) 672-5678 so we can help you.

12. Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.

13. I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
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 Northwest 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.

14. Can I use Zelle® internationally?
In order to send, receive or request funds, both the sender’s and recipient’s bank accounts must be based in the U.S.

15. What if I get an error message when I try to enroll an email address or U.S. mobile number?
The email address or U.S. mobile number you're using to enroll with Zelle® at Northwest is already being used. This may happen if you're enrolled with Zelle® at another financial institution or if you share the contact information with someone else (i.e. your spouse) and they are enrolled with Zelle® at either Northwest or another financial institution.

To proceed, provide us with an alternate email address and/or U.S. mobile number. To change your email address, log into Northwest online banking and select Preferences > Manage Address Info. To change your U.S. mobile number, call us at 1-877-672-5678.

i Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
ii Must have a bank account in the U.S. to use Zelle.®
iii 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®.
iiii Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Northwest Bank but are a separate service from Zelle® and can take 1 – 3 business days to process.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.