Quickly send and receive money from your Huntington business account with Zelle^®

Answer: Zelle^® is a fast and easy way for small business to send and receive money with people you know and trust.^† You can send or receive money between eligible bank accounts in the U.S.^{^}, typically within minutes^¥, using just an email address or U.S. mobile phone number. For your protection, be sure to verify the U.S. mobile phone number or email address of your recipient, and remember, you should only send money to those you know and trust.

Here are a few examples where Zelle^® may be used for your small business:

• Health and beauty specialists: hairstylists, nail technicians, and personal trainers
• Home care providers: landscapers, contractors, and pool technicians
• Landlords collecting rent
• Service providers: electricians, plumbers, accountants, consultants, and financial planners

Answer: Zelle^® is now in the Huntington Mobile app. Just select the Payments tab within the app and tap Enroll. Zelle^® is not available in online banking, so be sure to download the Huntington Mobile app today.

Answer: There are a few ways you can encourage your customers to pay you with Zelle^®.

• Tell customers verbally that you accept payments with Zelle^®, and that they can send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle^®” or “Pay me with Zelle^®”.
• Use Zelle^® to request money^# from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).
• Add pre-approved Zelle^® content to your business website: zellepay.com/smallbusiness-toolkit

Answer: Keeping your money and information secure is a top priority for Huntington Bank. When you use Zelle® within the Huntington Mobile app, your information is protected with the same technology we use to help keep your Huntington accounts safe.

Answer: Zelle^® is already available within the Huntington Mobile app. Just open the app, go to the Payments tab, and follow a few simple steps to enroll with Zelle^® today. We recommend you enroll before someone sends you money — this will help you get your first payment faster.

If you don’t yet have the Huntington Mobile app, simply download it so you can get started with Zelle^®. Plus, with the app you can check your account balance, transfer money, make deposits, pay bills, and find locations quickly and easily.

Answer: Yes, Huntington does charge its small business customers a $0.50 fee per transaction to send or receive money with Zelle^®.

Answer: You can send, request, and receive money with Zelle^® using your smartphone. To get started, open the Huntington Mobile app, go to the Payments tab, and select "Enroll" under “Send Money with Zelle^®"

Enter your email address or U.S. mobile phone number (on file with Huntington; if not on file, see below to update), receive a one-time verification code, enter it, accept terms and conditions, and you’re enrolled. Please note that Zelle^® is unable to accept Google Voice, Landlines, or any other non-U.S. mobile number to enroll.

• Log in to Huntington Mobile App
• Navigate to "Payments" Tab
• Choose "Send"
• Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number)^†
• Add the amount you want to send
• Make a note in the required memo
• Review the recipient's info and amount
• Hit “Send.” In most cases, the money is available to your recipient in minutes.^¥

• Log in to Huntington Mobile App
• Navigate to "Payments" Tab
• Choose "Request"^#
• Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number^¥)
• Add the amount you want to request
• Make a note in required memo
• Review the payor's info and amount for accuracy
• Hit “Request.” In most cases, the request for payment is presented to your recipient within minutes.^¥

Email or U.S. mobile number not on file with Huntington? After logging in to your account, expand the My Profile section of the Support Center on the right-hand side of the screen and click Update My Profile. Click My Profile, select the Email & Phone tab, edit your information, and click Save.

Answer: Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their mobile banking app don’t need to do anything different to send money to a small business – they use the existing Zelle^® experience they already know and trust within their bank’s mobile app. However, small businesses^{^} cannot receive payments from people using the standalone Zelle^® app.

Answer: To get started, log in to Huntington Bank’s mobile app. To enroll a small business bank account with Zelle^®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle^®. For example, you could connect your email address to your personal checking account, and a U.S. mobile phone number to your small business bank account.

Answer: No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.

Answer: To determine whether your small business is eligible to use Zelle^®, log in to your Huntington Mobile app and look for Zelle^®. If you are able to enroll with Zelle^® using your small business checking account, then you are eligible to use Zelle^®.

Answer: Please call Huntington at 1-800-480-2001 or reach out to Huntington through our Contact Us webpage.

Answer: Eligible small business accounts can send, receive, or request money with Zelle^®.

• Log in to Huntington Mobile App
• Navigate to "Payments" Tab
• Choose "Send"
• Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number)^†
• Add the amount you want to send
• Make a note in the required memo
• Review the recipient's info and amount
• Hit “Send.” In most cases, the money is available to your recipient in minutes.^¥

Answer: Yes, the amount of money you can send via Zelle^® is based on certain criteria. Eligible small business customers may be able to send up to $5,000 per day and up to $30,000 per month.

Answer: No, there is no limit on the number of transactions you can send with Zelle^® each month. Huntington does charge its small business customers a $0.50 fee per transaction to send or receive money with Zelle^®.

Answer: When you use Zelle^® with a small business account, you can send money to consumers or small businesses that bank with a financial institution that offers Zelle^®.

You can also send money to consumers that have access to Zelle^® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are only enrolled in the Zelle^® app.

If the small business or consumer you send money to has already enrolled with Zelle^® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. 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 phone number when sending money.

Answer: Yes, your recipient will receive a notification via email or text message. Message and data rates may apply.

Answer: Yes, Huntington does charge its small business customers a $0.50 fee per transaction to send or receive money with Zelle®.

Answer: Yes, to check whether the payment is still pending, you can go to your activity page on the Huntington Mobile app.

Answer: No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the small business or consumer 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 you do not see this option available, please contact Huntington at 1-800-480-2001 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^® through their financial institution, 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 know and 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, please immediately call Huntington at 1-800-480-2001 so we can help you

Answer: No, neither Huntington nor Zelle^® offers purchase protection for payments made with Zelle^®.

Answer: To request money using Zelle^®:

• Log in to Huntington Mobile App
• Navigate to “Payments” Tab
• Choose “Request”^#
• Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number)^†
• Add the amount you want to request
• Make a note in required memo
• Review the payor's info and amount for accuracy
• Hit “Request.” In most cases, the request for payment is presented to your recipient within minutes.^¥

Answer: Payment requests can be cancelled from the activity page within the Zelle^® experience. Choose the payment you want to cancel, and then select “Cancel Request”.

Answer: Yes, Huntington does charge its small business customers a $0.50 fee per transaction to send or receive money with Zelle®.

Answer: Payment Requests will expire if either of these things do not occur within 14 days of submitting a payment request:

• The requestor cancels the payment request
• The requestee doesn't send payment or cancels the payment request
• The requestee is unenrolled

Answer: Zelle^® does not have a built-in invoice feature. However, you can send an invoice using a third-party service and include information on how the customer can pay the invoice using Zelle^®.

Answer: You can receive payments from consumers who are enrolled with Zelle^® through their bank’s mobile app. You can also receive payments from other small businesses who are enrolled with Zelle^® at a financial institution that offers Zelle^® to small businesses. At this time, you’re not able to receive payments from consumers that are only enrolled in the Zelle^® app.

Answer: If you have already enrolled with Zelle^®, you do not need to take any further action. The money will move directly into your Huntington bank account, typically within minutes.^¥

If you have not yet enrolled with Zelle^®, follow these steps:

• Simply download the Huntington Mobile app
• Login with your online banking credentials
• Navigate to the "Payments" tab
• Click "Enroll" to get started with Zelle^®

Answer: Money sent with Zelle^® is typically available to an enrolled person within minutes.

If you are having trouble, please call Huntington at 1-800-480-2001 or reach out to us through our Contact Us webpage.

Answer: Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the Huntington Mobile app, navigate to the “Pay & Transfers” tab, then “Payments” to access your Zelle^® hub. Next, you will see “Scan QR Code” in your Zelle^® hub, click and then switch to “My Code” to view your QR code. From here you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive money, share your Zelle^® QR code via email, text message or print it on an invoice, business card, or flyer. To send money, log into the Huntington Mobile app and navigate back to the payments tab where it says, “Send money with Zelle^®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, 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.

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

Answer: For your protection, you should only send money to businesses or people you know and trust, such as family, friends, and others such as your personal trainer, babysitter, or neighbor. If you don’t know the business or person or aren’t sure you will get what you paid for, you should not use Zelle^® for these types of transactions. Neither Huntington nor Zelle^® offers purchase protection for 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. This means you might not have the same protections as when you use a debit or credit card."

Answer: Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Just follow the prompts to quickly link up with Huntington.

Note: Doing this will cancel any pending or future dated payments you may have at the bank where your U.S. mobile number or email address is currently enrolled.

Please note that Zelle^® is unable to accept Google Voice, Landlines, or any other non-U.S. Mobile number to enroll.

Answer: To lower the possibility of misdirected payments, if an email address or U.S. mobile number has not received or sent a payment in 18 months, your Zelle^® enrollment at Huntington will be "Inactive" and will be unenrolled from Zelle^®.

Answer: Zelle^® can be used to send and receive money with just an email address or U.S. mobile phone number to people or businesses you know and trust, regardless of where they bank.^†

Huntington Bill Pay can be used for one-time and scheduled payments for your recurring monthly bills (for example, your rent or mortgage, utilities, car payments).

Answer: It’s easy to switch your enrollment with Zelle^® to the Huntington Mobile app. Just enroll with Zelle^® using the Huntington Mobile app and during enrollment follow the prompts to quickly link up with Huntington.

Answer: Please contact call Huntington at 1-800-480-2001. Qualifying imposter scams may be eligible for reimbursement.