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

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.³

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 Red Wing Credit Union.
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.²

Since money is sent directly from your bank account to another person’s bank account within minutes,³ Zelle^® should only be used to send money to friends, family and others you trust.

Neither Red Wing Credit Union 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 Red Wing Credit Union’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 2,200 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^® at Zellepay.com. 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 Red Wing Credit Union).

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 Red Wing Credit Union of the incoming payment. Red Wing Credit Union 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 member service team at 651-388-7133 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Red Wing Credit Union but are a separate service from Zelle^® and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

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 member support team at 651-388-7133.

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

Keeping your money and information safe is a top priority for Red Wing Credit Union. 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 Red Wing Credit Union 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.

Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the Red Wing Credit Union Mobile App, click “Send Money with Zelle^®“. Next, go to your “Zelle^® settings” and click “Zelle^® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email, or print your Zelle^® QR code. To receive money, share your Zelle^® QR code.
To send money, log into the Red Wing Credit Union Mobile App, click “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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our member support team at 651-388-7133 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 member 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 Red Wing Credit Union banking app and online banking. Please call our member support team at 651-388-7133 for help.