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

Zelle® is a fast, safe and easy way to send and receive money between almost any checking or savings accounts in the U.S., typically within minutes*. So whether you’re paying rent, gifting money, or splitting the cost of a bill, Quorum, together with Zelle®, has you covered.

Zelle® is a free service that’s available to all Quorum members via our mobile banking app!

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Not a Member? Join Today!

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Safely send money to friends and family, no matter where they bank!*

Pitching in on snacks for couples’ game night? Need to get paid back for covering the group vacation? Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do.* Plus, it’s in a lot of banking apps, including Quorum’s mobile banking app!

Here are three reasons over 48 million people in the US love using Zelle® (and we think you’ll love using it too!):

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It’s Fast

When someone sends you money via Zelle®, the money goes directly into your Quorum account within minutes**—it’s available to spend just as fast. And, when you use Zelle® via the Quorum mobile app to pay someone, the funds gets taken from your account immediately and straight to your recipient's bank account.
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It’s Safe

When you use Zelle® within Quorum's mobile banking app, your information is protected with the same technology we use to keep our members’ accounts safe. We also add an extra layer of safety by using secure codes to ensure every activity is authorized by you!
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It’s Easy

Easily split dinner with friends, pay for rent, or pitch in for a coworker’s baby shower. With just a few clicks within the same app you use for banking with Quorum, you can send and receive money with others who have a checking or savings account in the U.S. using just an email address or U.S. mobile number.

How Does Zelle® Work?

Using Quorum’s mobile banking app, you can send or receive money with Zelle® for all kinds of things. And, did we mention it’s fast? Like money-straight-into-your-bank-account-in-minutes* fast? Swipe below to learn how to use Zelle®.

Access Zelle® via the Quorum Mobile Banking App

Access Zelle® via the Quorum Mobile Banking App

Log in to the Quorum mobile banking app, click on More, then click on Send Money with Zelle®. Choose the type of action you wish to perform from the following options: Send (to send money to someone), Request (to ask someone to send you money), or Split (to split a bill with someone). If you haven’t enrolled in Zelle® within Quorum’s mobile app, you’ll be prompted to complete a one-time set up the first time you access Zelle®.

Please note, once you’re enrolled in Zelle® via Quorum’s mobile banking app, you don’t need to do anything in order to receive money via Zelle®. The money will go straight to your Quorum account as soon as the sender hits Send.

Pick someone (you trust) to pay.

Pick someone (you trust) to pay.

Your next step is to choose who you want to pay or request money from by allowing Quorum to access your device contacts or manually entering someone’s mobile phone number or email address. From your kid’s babysitter to your college bestie, Zelle® can be used with almost anyone you know and trust who has a bank account in the U.S

If you selected a contact who isn’t an existing Zelle® user, your contact will receive instructions (via text message or email) on how he/she can receive the money you sent; or, if you sent a request for payment, he/she will receive instructions on how to send you the payment.

Choose the amount you want to send.

Choose the amount you want to send.

Enter the amount you want to send to or request from the person you selected. Your contact will get a notification via email or text message about the Zelle® transaction you initiated. If you sent money to someone who is currently enrolled in Zelle®, your recipient will receive the funds directly in his/her bank account. If you sent a request for payment from someone, you’ll receive the money in your account as soon as that person accepts your request.

That’s how easy it is to use Zelle®!

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Enrolling in Zelle® via Quorum’s mobile banking app is easy!

If you’re a Quorum member, follow the instructions below:

  1. Log in to your account via 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.

Once enrolled, you can start using Zelle® to send or receive money via your Quorum account.

Not yet enrolled in mobile banking? Download Quorum’s mobile banking app today:

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You must be a Quorum member to register for online banking. Not a member? Join today!

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How Do I Enroll In Zelle®?

Other Helpful Resources:

Quorum Checking Accounts: Good for You and Your Wallet

Looking for a no-frills, get er’ done checking account with no fees? Or how about an account that gives you a little somethin somethin back each month in addition to ATM reimbursement? At Quorum, we’re all about helping you simplify your personal banking needs. That’s why we designed our checking accounts with your lifestyle and preferences in mind.

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Frequently Asked Questions

Frequently Asked Questions

What is Zelle®?

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.

Is Zelle® safe and secure?

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.

How does Zelle® work?

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.

What is the Zelle® CMA (Common Mobile App) and how is it different from Quorum’s Zelle® widget within the mobile banking app?

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.

How do I receive money via Zelle®?

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 Send Money with Zelle®. You will be asked to enter a Secure Code delivered to your contact information on file.
5. 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.

Why am I seeing messages in the Zelle® app about being redirected to Quorum’s mobile app?

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.

How do I cancel a pending Zelle® payment or request?

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.

What type of Zelle® alerts can I expect to receive?

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.

Are my funds insured with Quorum?

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.

Can I use Zelle® for my small business?

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®.

A Few Things You Should Know

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled Zelle® consumers typically occur in minutes and generally do not incur transaction fees.
**Your Quorum account must be linked to your Zelle® profile in order for you to receive money directly to your Quorum account. Transactions between enrolled Zelle® consumers typically occur in minutes.