How do I access Zelle® and online bill pay?

Zelle® is a great way to send money to friends, family and others – 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 people you know and 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 shouldn’t use Zelle® to complete that transaction.

It should be noted that neither Gate City Bank nor Zelle® offers purchase protection for payments made with Zelle®. For example, if you don’t receive the item you paid for or the item is not as described and you used Zelle® to complete the transaction, there would be no purchase protection that would assist you in getting that spent money returned.

If you’ve already enrolled with Zelle®, you don’t need to take any further action. The money will be sent directly to your bank account and will be available typically within minutes.¹

If you haven’t 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 “Gate City Bank.”
3. Follow the instructions provided on the page to enroll and receive your payment.

Additionally, be sure to note the email address or U.S. mobile number through which 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.

While there are sometimes limits on how much money you can send with Zelle®, there are no limits on the amount of money you can receive with Zelle®. (Note: The person sending you money might have limits set by their own financial institution. Also, limits and delivery options may vary based on how customers add contacts.)

To view any limits using the mobile app, simply navigate to “More” and “Bill Pay/Zelle®.” From there, select “Send,” choose your recipient and tap “Limits.” If you’re using a browser, navigate to “Move Money,” then choose “Zelle®” and “Send” before selecting a recipient and clicking “Limits.”

In order to use Zelle^®, the sender and recipient’s bank accounts must be based in the U.S.

You can only cancel a Zelle® payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending for this reason, simply visit 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 can’t be canceled. Remember: It’s important to only send money to people you trust. Also, always make sure you use the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please contact us right away so we may best assist you.