Send and receive payments

What is Zelle^®

Zelle^® is a fast and easy way for small businesses to send, receive and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your Huntington bank account with just your email address or U.S. mobile number.

Where can I find Zelle^®?

Zelle^® is now in the Huntington Mobile Banking 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 Banking app today.

How do I tell my customers that they can pay me with Zelle^®?

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^®.

Is my information secure?

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

How do I get started with Zelle^®?

Zelle^® is already available within the Huntington Mobile Banking 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 Banking 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.

Are there any fees to use Zelle^® with a small business account at Huntington Bank?

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

How do I enroll and use Zelle^®?

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

Enter the email address or U.S. mobile phone number on file with Huntington (if not on file, see below on how 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.

To send money using Zelle^®:

• Log into the Huntington Mobile Banking app
• Navigate to the 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.¹

To request money using Zelle^®

• Log into the Huntington Mobile Banking app
• Navigate to the 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.

To receive money, just share your enrolled email address or U.S. mobile phone number with your customers or vendors who are also enrolled with Zelle^® through their financial institution and ask them to send you money with Zelle^®.

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 select Update My Profile. Select My Profile, then the Email & Phone tab, edit your information, and Save.

I already use Zelle^® through my personal bank account. How do I enroll to use Zelle^® with my small business bank account?

To get started, log into the Huntington Bank Mobile Banking 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.

If I use Zelle^® for my small business, will Zelle^® integrate with accounting software?

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.

How do I know if my small business is eligible to use Zelle^®?

To determine whether your small business is eligible to use Zelle^®, log into the Huntington Mobile Banking 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^®.

Who should I call if I have questions or need help?

Please call Huntington Bank at (800) 480-2001 or use our Contact Us webpage.

How do I use Zelle^® with a small business account?

Eligible small business accounts can send, receive and request money with Zelle^®.

• Log into the Huntington Mobile Banking app
• Navigate to the 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.¹

Is there a limit to how much money I can send with Zelle^®?

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.

Is there a limit on the number of transactions I can send with Zelle^® each month?

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^®.

Who can I send money to with Zelle® when I have an eligible small business account?

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.

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.

Will the person or business I send money to with Zelle^® be notified?

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

Are there any fees to send money using Zelle^® in the Huntington Mobile Banking app?

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

Can I check the status of a pending payment I made with Zelle^®?

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

Can I reverse or cancel a payment?

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 (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 (800) 480-2001 so we can help you.

Does Huntington Bank offer purchase protection?

No, 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. Only send money to people and small businesses you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

How do I use Zelle^® to request a payment from my customer?

To request money using Zelle^®

• Log into the Huntington Mobile Banking app
• Navigate to the 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
• To request money using Zelle^®, choose "request" and enter their email address, US Mobile number or Zelle^® Then, enter the amount you would like to request and hit "request"³

If your customer is not enrolled in Zelle^®, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

How do I cancel a payment request?

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

Are there any fees to send money using Zelle^® in the Huntington Mobile Banking app?

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

Will a payment request expire?

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

Can I send an invoice via Zelle^®?

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^®.

I have a small business bank account. Who can I receive payments from with Zelle^®?

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.

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 move directly into your Huntington bank account, typically within minutes.

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

• Download the Huntington Mobile Banking app
• Log in with your Online Banking credentials
• Navigate to the Payments tab
• Select Enroll to get started with Zelle^®

How long does it take to receive money with Zelle^®?

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

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

How do I use a Zelle^® QR code with my small business account?

Zelle^® QR codes provide 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 Banking app, navigate to the Pay & Transfer tab, then select Payments to access your Zelle^® hub. Select Scan QR Code in your Zelle^® hub and 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 Banking app and navigate back to the Payments tab where it says, Send money with Zelle^®, select Send, then tap 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.

Can I use Zelle^® internationally?

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

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

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.

Why am I no longer enrolled in Zelle^®?

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

What’s the difference between Zelle^® and Huntington Bill Pay?

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, even if they bank somewhere different than you do. ¹

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

What if I’m already using Zelle^® with another bank or through the Zelle^® app?

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

I believe I’ve been a victim of a scam. Who should I contact?

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