Zelle^® is a fast, safe and free¹ way to send money to friends and family

You can send, request or receive money with Zelle^®". To get started, log in to BankORION's online banking or mobile app and navigate to the "Send Money With Zelle^®" tab. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it and you're ready to start sending and receiving with Zelle^®.

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 if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose "Request," enter their enrolled email address, U.S. Mobile number or Zelle^® tag, confirm the receipt is correct and tap, "Request."

To receive money, just share your enrolled email address or U.S. mobile phone 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 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 BankORION. 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.

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 BankORION.
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.

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.

Since money is sent directly from your bank account to another person's bank account within minutes, Zelle^® should only be used to send money to friends, family and others you trust.

Neither BankORION 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.

It's easy — Zelle^® is already available within BankORION's mobile banking app and online banking within Bill Pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 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^® here.

If their bank or credit union is not listed, we recommend you use another payment method at this time.

When you enroll with Zelle^® through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with BankORION).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or mobile number in its "directory" and notifies BankORION of the incoming payment. BankORION then directs the payment into your bank account, all while keeping your sensitive account details private.

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

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. If you aren't able to get your money back, please call our retail banking team at 309-526-8011 so we can help you.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.³

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 be available directly in your recipient's account, typically within minutes.³

If your payment is 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 contact our retail banking team at 309-526-8011.

Yes! They will receive a notification via email or text message.

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

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^® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither BankORION 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our customer support team at 309-526-8011 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle^®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle^® through your BankORION banking app and online banking. Please call our retail banking team at 309-526-8011 for help.

Sending to a Zelle^® tag is just like sending to a recipient's email address or U.S. mobile number. Find Zelle^® in your mobile banking app, click "Send," and from the "Select Recipient" screen, type the recipient's Zelle^® tag. Then, enter the amount, hit "Send," and money is on the way. Make sure to double check that the Zelle^® tag is typed correctly, and when sending money to someone new, it's always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money. At this time, the ability to create a Zelle^® tag is only available to eligible small business account holders. Please confirm with your bank or credit union if you are eligible to create a Zelle^® tag for your small business.