Zelle^® is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank*.

You can send money to friends, family and others you trust between almost any bank account in the U.S., typically within minutes*.

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.

You can send, request, or receive money with Zelle®. To get started, log into Online Banking or the ASB Mobile App and select “Send Money with Zelle®”

Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept the terms and conditions, and you're ready to start sending and receiving with Zelle^®!

• To send money using Zelle^®, simply select a contact from your mobile device (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note. Review and hit "Send." In most cases, the money is available to your recipient in minutes*.
• To request money using Zelle^®, choose “Request,” select the individual you would like to request money from, enter the amount and 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 money by using their mobile phone number.
• 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^®. If you are already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your American Savings Bank account, typically within minutes*.

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 “American Savings Bank”.

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.

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, a valid email address, a U.S. mobile number, and a Visa^® or Mastercard^® debit card associated 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.

When you enroll with Zelle^® through your Online Banking Bill Pay account, or the ASB Mobile 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).

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 us of the incoming payment. We then direct the payment into your bank account, all while keeping your sensitive account details private.

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 in Online Banking or the ASB Mobile App, choose the payment you want to cancel, and then select "Cancel This Payment". You can also cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

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 send a Secure Message in Online Banking or Mobile App, or contact our Customer Banking Center at (808) 627-6900 or toll-free (800) 272-2566 for assistance.

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 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.

Still having trouble? Please send a Secure Message in Online Banking or Mobile App, or contact our Customer Banking Center at (808) 627-6900 or toll-free (800) 272-2566 for assistance.

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 the Customer Banking Center at (808) 627-6900 or toll-free (800) 272-2566.

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. Keep in mind that sending money with Zelle^® is similar to handing someone cash.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither American Savings 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.

Zelle^® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number. Find “Send Money with Zelle^®” in the ASB Mobile app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your phone’s camera will open. To send money using a Zelle^®QR code, 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.

Be sure to scan the Zelle^® QR code within the ASB Mobile App. Open up the ASB Mobile App, click on “Send Money with Zelle^®”, click on “Send” then tap on the QR icon to capture the QR code.

If a friend’s bank or credit union does not offer the ability to scan a Zelle^® QR code, your friend can still send you money with Zelle® using your enrolled email address or U.S. mobile number.

If you are not enrolled with Zelle^®, scanning a Zelle^® QR code will not enroll you with Zelle^®. Prior to scanning a Zelle^® QR code, you should open the ASB Mobile app, navigate to “Send Money with Zelle^®” and follow the prompts to enroll. Once enrolled, you can scan the QR code from within the ASB Mobile App.

No, each Zelle^® QR code is specific to an individual U.S. mobile number or email address. If you updated your the U.S. mobile number or email address, the Zelle® QR code will change. You must share your new Zelle^® QR code to receive money. Be sure to update your contact information through the “Manage Contact Information” page under “Settings” in the ASB Mobile App menu.

Money sent to a Zelle^® QR code that is not associated with an enrolled U.S. mobile number or email address will be set as “Pending” and the money will not move into your bank account unless you re-enroll the U.S. mobile number or email address associated with the QR code. If you do not re-enroll the U.S. mobile number or email address previously associated with that Zelle^® QR code, the payment will expire after 14 days. If they no longer have access to the mobile number or email address, the sender should cancel the payment and send money using the new Zelle^® QR code.