Zelle® Business

Zelle® Business Zelle® for small business What is Zelle® Zelle® is a fast, safe and easy way for small businesses to send, receive and request money typically within minutes<a class="foot-link" href="/#foot1">1</a> with enrolled customers and eligible vendors they trust. If your enrolled customers use Zelle® within their financial institution’s banking app, they can send payments directly to your ANB bank account with just your email address or U.S. mobile number. How do I use Zelle® with a small business account? Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to the [“Send Money with Zelle®”]. To enroll, accept the 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 with 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.” In most cases, the money is available to your recipient in minutes.<a class="foot-link" href="/#foot1">1</a> To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account. To request money using Zelle®, choose “Request” and enter their email address, U.S. mobile number or Zelle® tag. Then enter the amount you'd like to request and hit “Request”. You’ll receive a payment notification once your customer has sent the money in response to your request.<a class="foot-link" href="/#foot2">2</a> How do I tell my customers that they can pay me with Zelle®? There are a few ways you can encourage your customers to pay you with Zelle®: <ul> <li>Tell customers verbally that you accept payments with Zelle® and that they can easily send you money right from their banking app.</li> <li>Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®.”</li> <li>Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).<a class="foot-link" href="/#foot2">2</a></li> </ul> Does Zelle® or ANB Bank offer purchase protection? Neither ANB Bank 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. Are there any fees to use Zelle® with a small business account at ANB Bank? ANB Bank does not charge any fees to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply. How do I know if my small business is eligible to use Zelle®? Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to ANB Bank’s online banking or mobile app, navigate to the "More" tab and choose "Send Money with Zelle®" . If you don’t see Zelle®, please call our Customer Care Center at 1-866-433-0282.  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. Can I reverse or cancel a payment? No, Zelle® payments cannot be reversed. You can only cancel a payment if the small business or consumer 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 Care Center at 1-866-433-0282 for assistance with canceling the pending payment. If you send money to a small business or consumer who 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 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 Care Center at 1-866-433-0282 to determine what options are available. How do I use a Zelle® QR code with my small business account? Zelle® QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle® QR code, log in to the ANB Bank mobile app. Navigate to the "More" tab and choose "Send Money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code. To send money, log in to the ANB Bank mobile app. Navigate to the "More" tab and choose "Send Money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, 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. I believe I have been a victim of a scam. Whom should I contact? Please contact our Customer Care Center at 1-866-433-0282. Qualifying imposter scams may be eligible for reimbursement. Is my information secure? Keeping your money and information safe is a top priority for ANB Bank. 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 safe.