Send money with Zelle^® in the Huntington Mobile app

What is Zelle^®?

Zelle^® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union's mobile app or online banking. All you need is your recipient's email address or U.S. mobile number, and money will be available to use in minutes if they're already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don't bank at Huntington Bank¹.

Where can I find Zelle^®?

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.

What can I do with Zelle^®?

Zelle^® is a great way to send and receive money between friends, family and other people you know and trust¹ — even if they don't bank with Huntington Bank.

Send money directly to your friend or family member’s bank account, typically within minutes¹.

Request² money. The person who receives the request will be able to accept or decline – if they accept, you will typically receive the money in minutes¹.

How do I get started with Zelle^®?

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.

You can find a full list of participating banks and credit unions live with Zelle^® here.

If your friend or family member's bank isn’t on the list yet, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^®.

How do I enroll in Zelle^®?

You can send, request¹, and receive money with Zelle^® using your smartphone. To get started, open the Huntington Mobile app, go to the Pay & Transfer tab, and select "Enroll" under “Send Money with Zelle^®”

Enter your email address or U.S. mobile 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 we are unable to accept Google Voice, Landlines, or any other non-U.S. mobile number to enroll.

How do I use Zelle^®?

You can send, request, or receive money with Zelle^®. To get started, log into the Huntington Mobile App under the Pay & Transfer Tab.

To send money using Zelle^®, simply select someone from your mobile device's contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose "Request," select the individual from whom you’d like to request money, enter the amount you'd like, 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 using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Huntington Bank account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select Huntington Bank.
• 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 to ensure you receive your money.

Who can I send money to with Zelle^®?

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your Huntington account to another person's bank account within minutes¹, Zelle^® should only be used to send money to friends, family and others you 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 should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter, or neighbor. If you don't know the 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 do not have the same protections as when you use a debit or credit card.

Do my friends & family need to enroll with Zelle^® before I send money?

Ask your friend or family members to enroll with Zelle^® before you send them money. This will help them get your payment within minutes.

Can I send money to a friend or family member with Zelle^® if they’re not a Huntington customer?

Yes, you can send money, even if they don't bank with Huntington Bank. We recommend you ask people to enroll with Zelle^® before you send them money. This will help them get your payment within minutes.

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

Yes, your recipient will receive a notification via email or text message.

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

Huntington does not charge its customers to send money with Zelle^®. Your mobile carrier's messaging and data rates may apply.

Can I reverse or cancel a payment?

No, Zelle^® payments cannot be reversed.

You can only 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, choose the payment you want to cancel, and then select "Cancel This Payment." If you do not see this option available, please contact our customer support team at 1-800-818-6325 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union's mobile app, 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 our customer support team at 1-800-818-6325 to determine what options are available.

How do I request money with Zelle^®?

To request money using Zelle^® in the Huntington Mobile app, choose "Request," select the individual from whom you want to request money, enter the amount you’d like to request, make a note in required memo, review and hit "Request"².

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 using their U.S. mobile number.

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".

Will a payment request expire?

Payment Requests will expire if either of these things do not occur within 15 days of submitting a payment request:

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

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 minutes¹.

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 Huntington 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 in Zelle^® with that email address or U.S. mobile number to ensure you receive your money.

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

Money sent with Zelle^® is typically available to an enrolled person within minutes¹. Ask your friends and family to enroll with Zelle^® before you send them money — this will help them get your payment more quickly.

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 move directly into your recipient's account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes.

If your payment is still 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. 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 call Huntington at 800-818-6325 or reach out to us through our Contact Us webpage.

Does Huntington Bank or Zelle^® offer purchase protection?

Neither Huntington Bank 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.

Can I use Zelle^® internationally?

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

Can I use Zelle^® for my small business?

Yes, Huntington business customers can use Zelle^® for your small business. For more information on business transactions, visit the Zelle^® for your business FAQ'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 those you know and trust, such as family, friends and others such as your personal trainer, babysitter, or neighbor. If you don't know the person or aren't sure you will get what you paid for, you should not use Zelle^® for these types of transactions.

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

Please contact our customer support team at (800) 480-2265. Qualifying imposter scams may be eligible for reimbursement.

Why am I no longer enrolled in Zelle^®?

To lower the possibility of misdirected payments, if a Zelle^® enrolled U.S. mobile number or email address has not received or sent a payment in 18 months, it is "inactive" and unenrolled from Zelle^®.

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

Zelle^® is a fast and easy way to send and receive money with just an email address or U.S. mobile phone number to people you know and trust, even if they don't bank with Huntington 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).

What if I’m already using Zelle^® with another bank?

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.

Is my information secure?

Keeping your money and information safe is a top priority for Huntington. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your Huntington account safe.