Zelle^® | How Does Zelle Work?

Zelle^® Now Available

Prosperity Bank now offers Zelle^®to all consumer customers. Zelle^® is a fast, safe, and easy way to send money to friends, family, and others you trust.² Customers can use Zelle^®through the Prosperity Bank Online Banking or mobile app.

Zelle^® is a fast, safe, and easy way to send money directly between almost any bank account in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

How does Zelle^® work?

When you enroll with Zelle^® through the Prosperity Bank 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 Prosperity 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 Prosperity bank of the incoming payment. Prosperity then directs the payment into your bank account, all while keeping your sensitive account details private.

^{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.}

How to Use Zelle^® to Safely Send Money

Only send money to people you know and trust

Money moves fast with Zelle^®. Directly from checking account to checking account within minutes*. So, it’s important you know and trust the people you’re sending money to.

You can’t cancel a payment once it’s been sent if the recipient is already enrolled with Zelle^®, so it’s important to get it right the first time.

Beware of payment scams

If you send money to someone you don’t know for a product or service you might not receive (like paying for something in advance), you may not get your money back.

Neither Prosperity Bank nor Zelle^® offers a protection program for authorized payments made with Zelle^®. So, if you aren’t sure you will get what you paid for, you should use another payment method with purchase protection, such as a credit card.

Treat Zelle^® like cash

Money moves fast – directly into the enrolled recipient’s bank account. Make sure you’re sending to the right person by confirming the first name displayed is that of your recipient.

*U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes.

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