Send money the way it was meant to be sent.

FAST

Send money directly from your account to theirs – typically in minutes1.

SAFE

Send or receive money right from your First Community Bank of Cullman app.

EASY

Send money to almost anyone you know2 using just an email address or U.S. mobile phone number.

Find Zelle in your
First Community Bank of Cullman app.

Log in and go to your menu. Scroll down until you see “Send Money with Zelle®“. Then, enroll with your
U.S. mobile number or email address to get started.

Send.

Select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional memo, review, then hit “Send.”

Send money in the moment.

YOUR FRIEND FORGOT HIS WALLET BUT NOT HIS PHONE

Don’t worry about covering your friends.  Zelle lets you request money and get paid back quickly.

WHEN IT’S TIME TO SETTLE UP WITH THE SITTER

Move money from your account to theirs within minutes1.

FOR BIRTHDAY DINNERS WITHOUT THE MATH

Split the bill and get paid in a flash.

Zelle FAQ

Zelle is a fast, safe and easy way to send money directly between almost any bank account in the U.S.,typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank*.

*To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle. Must have a bank account in the U.S. to use Zelle.

You can send money to friends, family and others you trust 2. We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.

*Since money is sent directly from your bank account to another person’s bank account within minutes1, 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.

You can send, request, or receive money with Zelle. To get started, log into First Community Bank’s mobile app and select “Send Money with Zelle®”  Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.

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 phone 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 minutes1.

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.

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.

** In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

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 First Community Bank
  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 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 neighbor2.

Since money is sent directly from your 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.

Neither First Community Bank of Cullman 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.

FCB Cullman does not charge any fees to use Zelle4.

It’s easy — Zelle is already available within the bank’s mobile banking app. Check our app and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle through the bank’s app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Community Bank. 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 the Bank of the incoming payment. First Community Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

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

If your recipient has not yet enrolled with Zelle, the payment will remain pending, and the money will not move from your account.  If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

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 us at (256) 734-4863, so we can help you.

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

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 move directly to your recipient’s account, typically within minutes1.

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 give call the bank at 256-734-4863.

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

Keeping your money and information safe is a top priority for First Community 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.

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 First Community Bank of Cullman 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 and ask them to move your email address or U.S. mobile phone number to First Community Bank 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 First Community Bank account so you can start sending and receiving money with Zelle through the Bank’s mobile banking app and online banking. Please call us at 256-734-4863 for help.

Enroll with Zelle and get your money moving.

Unlock the full potential of your mobile banking app by using Zelle. Enjoy the benefits of a fast, safe and easy way of sending and receiving money in minutes2.

CHOOSE YOUR DEVICE TO DOWNLOAD THE APP

For Android

For iOS

Disclaimers

  1. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
  2. Must have a bank account in the U.S. to use Zelle.
  3. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.
  4. Mobile carrier fees may apply.

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