Mobile Banking | My Banking Direct (2024)

1. What is Zelle®?

Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you1. All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes1. No account numbers are shared.

2. How do I use Zelle®?

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

To get started, log into NCYB Online.

• Click Send Money with Zelle® from the tab at the top of the screen.
• On the Welcome to Zelle® screen, click Get Started.
• Read the Terms and Conditions. To accept the Terms and Conditions, click Accept and Continue.
• You’ll be presented an option to either (1) select an email or U.S. Mobile number from a list (and click Continue) or (2) enroll a specific email or U.S. Mobile.
• If you select to enroll a U.S. mobile number, read the Notice Regarding Receiving Test Message. Click continue.
• Enter the verification code sent to you and press verify.
• On the Choose Primary Account page, click the account you would like to use as Primary and click Continue.
• Enrollment is complete! From the Congratulations screen, you can Send Money View Activity or add another email or U.S. mobile number.

To get started, tap the NYCB Mobile app to open it on your mobile device home page.

• When the login screen opens, enter your User ID and password and tap Log In.
• Tap Transfer & Pay and then Send Money with Zelle®. The Welcome screen will open.
• Tap the links to read the Terms and Conditions and the Notice Regarding Receiving Text Messages.
• Tap the checkbox to select I agree to the Terms and Conditions and Receiving Text Messages.
• Tap Get Started.
• On the Choose Primary Account screen, tap and select the account you want to send payments from. This is also the account where you'll receive payments.
• Next you'll see the Review Information screen with your contact information and the NYCB account, that's linked to Zelle®. You can't edit your email or U.S. mobile phone number here (you can do that in Online Banking Settings). If you have more than one eligible account to use with Zelle®, you can tap the drop-down menu next to Primary Account and select a different account. If you have only one account available, you will only see one.
• Tap All Done.
• Zelle® will open and you can begin using it to send and receive money.

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 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 New York Community Bank account, typically within minutes.

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

a. Click on the link provided in the payment notification you received via email or text message.

b. Select New York Community Bank.

c. 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.

3. Is my information secure?

Keeping your money and information safe is a top priority for New York Community Bank. When you use Zelle® within NYCB Online or NYCB Mobile your information is protected with the same technology we use to keep your NYCB account safe.

4. 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 New York Community Bank 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 New York Community Bank nor Zelle® offers a protection program for any authorized 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.

5. Can I use Zelle® internationally?

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

6. Can I cancel a payment?

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 the person you sent money to has already enrolled with Zelle®, 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 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, we recommend contacting the recipient and requesting the money back.

7. Are there any fees to send money using Zelle®?

No, New York Community Bank does not charge any fees to use Zelle® in the NYCB Online or NYCB Mobile app.Your mobile carrier’s messaging and data rates may apply.

¹U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.