How can I change Zelle® limits?

To access Zelle® and online bill pay in our mobile app, simply navigate to “More” at the bottom of your screen and select “Bill Pay/Zelle.”

Zelle® is compatible with many banks through their mobile apps. In the event this isn’t the case for someone you’re trying to send money to, there’s a solution: The recipient need only enroll with the Zelle® app by entering their email address, U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (doesn’t include U.S. territories). Note: Zelle® doesn’t accept debit cards associated with international deposit accounts, nor does it accept any credit cards.

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.

BankOn accounts pay a fee to use Zelle®. Otherwise, Gate City Bank doesn’t charge any other fees to send or receive money with Zelle®. However, there is a fee to cancel a Zelle® transaction that is still pending due to the recipient having not yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. (Note: Your mobile carrier’s messaging and data rates may still apply.)