Quorum Now Offers Zelle^® Send and receive money easily, quickly and securely.

Zelle^® is a method of making payments that lets you send money easily, quickly, and securely from your own bank or credit union to anyone you choose. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank*, as long as they bank within the U.S.

Yes. No sensitive account details are shared when you send and receive money with Zelle® – only an email address or U.S. mobile number tied to a bank account in the U.S. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle® with people you trust, and always make sure you are using the correct mobile number or email address!

Here’s how to pay it safe:

Only send money to those you trust: Zelle® should only be used with friends, family and others you trust. Why? Because you can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And if you send money to someone you don’t know, or you do not get what you expected, you may not get your money back.

Treat Zelle® like cash: While Zelle® and cash are certainly different, both provide the recipient with fast access to the money you send. With Zelle®, money moves directly into the enrolled recipient’s bank account within minutes1. And again, once you authorize a payment to be sent, you can’t cancel it if the recipient is already enrolled.

Beware of payment scams: If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam. Zelle® does not offer a protection program for authorized payments, so pay it safe. Only send money to people you personally know and trust.

Confirm your recipient’s contact information: Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double check. If you authorize a payment to be sent to the wrong person, you may not get your money back.

Understand your payment options: If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what’s offered. Unlike a credit card, Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item or the item is not as described or as you expected.

Security Reminder from Quorum:
To protect the security of your account and your identity, please be alert of scammers and phishing attempts, and remember that Quorum would never call or contact you to ask you for the following information:

• Your online banking credentials
• Your Quorum Federal Credit Union member number
• Your social security number or date of birth
• Your personal identification number (PIN) to your card
• We will never refer you to a website other than Quorum’s, or ask you to contact them at a phone number other than the following numbers: (888) 918-7313 or (800) 874-5544.

If you are suspicious about a call or correspondence you received claiming to be from Quorum, you can contact us at (800) 874-5544, Monday through Friday between 8:30 am – 7:00 pm ET.

Zelle^® enables you to send money directly from one bank account in the U.S. to another using a recipient’s email address or U.S. mobile number. If both you and your recipient are enrolled with Zelle^®, your recipient will typically receive the money within minutes.

You can use Zelle^® to send money to people at the same bank/credit union, or at a different bank* or credit union.

Zelle^® also allows you to receive money from people or businesses. Once you are enrolled in Zelle^® via Quorum’s mobile banking app, you will receive money sent via Zelle^® directly to your Quorum account.

You may have heard the term Zelle^® CMA. This simply refers to the standalone Zelle^® app that you can download via mobile app stores. You can use this app if your bank or credit union does not offer Zelle^® as a service. Within the standalone app, you are allowed to connect one debit card from their non-participating bank or credit union.

The Zelle^® widget within Quorum’s mobile app offers more flexibility, in that it gives you the option to use multiple Quorum accounts as payment options. This means you can switch between your different Quorum Savings or Checking accounts to send or receive money via Zelle^®.

Because Quorum is a part of the Zelle^® network, you will not be able to use Quorum as a linked account within the Zelle^® standalone app. If you attempt to link your Quorum account in the Zelle^® standalone app, you will be redirected to the Quorum mobile banking app.

To receive money, just share your email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®. You’ll receive a payment notification via email or text once the money has been sent.
If you are an existing Zelle^® user, you won’t need to take any further action. The money will move directly into the bank or credit union account associated with the email address or U.S. mobile number you use for Zelle^®, typically within minutes*.

If you are not an existing Zelle^® user, follow these simple steps:

1. Click on the link provided in the payment notification you received via text or email when someone sent you money.
2. Select Quorum Federal Credit Union to log in to the Quorum mobile banking app.
3. Once logged in, click on More.
4. Click on Pay.
5. Click on Zelle Payments^®. You will be asked to enter a Secure Code delivered to your contact information on file. 
6. Follow the prompts to complete the enrollment process.

Once you’re enrolled, money sent to you via Zelle^® will move directly into your Quorum account.

Zelle® is now available via the Quorum mobile banking app. As a result, starting July 1st, your Quorum profile within the Zelle® standalone app will no longer be available within the Zelle® standalone app. In order to continue using your Quorum account with Zelle®, you’ll need to log in to the Quorum mobile app to access Quorum’s Zelle® service.

If you’re accessing Zelle® via Quorum for the first time, follow these instructions:
1. Log in to the Quorum mobile banking app.
2. Click on More.
3. Click on Send Money with Zelle®.
4. Follow the prompts to complete the enrollment process.

If you have any pending activities (Requests or Payments), you will see them in your Activity screen under Pending. If you do not see anything under Pending, this means all transactions have been completed and you will not be able to cancel them.

1. Log in to the Quorum mobile banking app.
2. Click on More.
3. Click on Send Money with Zelle^®. You will be asked to enter a Secure Code delivered to your contact information on file.
4. Click on Activity.
5. Under Pending, choose the activity you want to cancel, then select Cancel Payment or Cancel Request.

You will receive a notification that the payment or request has been cancelled.

Need assistance? Call (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET to speak to a Member Service Representative.

Note: All unclaimed/uncollected payments sent to an unregistered Zelle^® recipient will automatically expire after 14 days.

Alerts will be delivered to you via the email address or mobile number you have on file with us and the contact preferences you set within online banking.

• Account Activity Alerts – delivered in real time to notify enrolled Zelle^® users when changes have been made to their account or when action is required.
• Sent Payment or Request Payment Alerts – notifications about payment activity, required actions, and updates on the status of a payment. These alerts may be delivered to:
  • Senders
  • Registered Recipients
  • Unregistered Recipients
• Split Payment Request Alerts – notifications about split payment request activity. These alerts are delivered to senders only.

Your Quorum accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000.

The Share Insurance Estimator, found here, can help you determine whether your accounts are established and insured appropriately. If you have already utilized the Share Insurance Estimator and still have additional questions, you can also reach out to the NCUA Consumer Assistance Center at (800) 755-1030. Representatives are available from Monday through Friday from 8 a.m. – 5 p.m. ET. You can also send an email with your questions to dcamail@ncua.gov.

Not at this time. Quorum does not currently offer Zelle^® for business accounts. However, you can use Zelle^® to pay other businesses or receive money from businesses via Zelle^®.