Zelle^®

Zelle® is a convenient way to send, receive, and request 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 enrolled email address or U.S. mobile number, and money will be available to use in minutes. Your account information and activity stay private. Zelle® is currently live in more than 2,300 Financial Institutions, so you can send money to friends and family even if they don’t bank at Firefighters First Credit Union.¹

You can send, request, or receive money with Zelle^®.

1. To get started, log into the Firefighters First Credit Union’s online banking or mobile app, navigate to Move Money and select "Zelle^®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle^®.
2. To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.
3. To request money using Zelle^®, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request".³
4. 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 Firefighters First Credit Union account, typically within minutes.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

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 Firefighters First Credit Union.
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 with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

Keeping your money and information secure is a top priority for Firefighters First Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Firefighters First Credit Union account safe.

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 Firefighters First Credit Union 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).

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 Firefighters First Credit Union 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).

Neither Firefighters First Credit Union 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.

Please contact our customer support team at 800.231.1626. Qualifying imposter scams may be eligible for reimbursement.

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

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 800.231.1626 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 or online banking, 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 800.231.1626 to determine what options are available.

No, Firefighters First Credit Union does not charge any fees to use Zelle® in the FireFirstCU app.

Your mobile carrier’s messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Firefighters First Credit Union send limits, call our customer service at 800.231.1626.

At Firefighters First Credit Union, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle^® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Zelle® QR codes provide peace of mind knowing you can send money to the right person without typing an email address or mobile number. Find Zelle® in the Firefighters First Credit Union app, click “Send,” then click on the QR code icon displayed at the top of the “Recipients” screen. Your phone’s camera will open. To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount and 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. You can also locate your Zelle® QR code by opening the Firefighters First Credit Union app, navigating to "Move Money” and clicking your Zelle® settings. From here, you can see your Zelle® QR code.