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Send money in minutes1 with Zelle®. With an email address or U.S. mobile number, you can send money to the bank account of almost anyone you trust*, regardless of where they bank in the U.S. Access Zelle within your FBSW Mobile App.

*We advise you to only use Zelle when sending money to people you know.

Frequently Asked Questions

1. What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts
in the U.S., typically within minutes 1 . With just an email address or U.S. mobile phone number,
you can send money to people you trust, regardless of where they bank 2.

2. Who can I send money to with Zelle?

You can send money to friends, family and others you trust 2. Since money is sent directly from your bank account to another person’s bank account within minutes 1, 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.

3. How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into FirstBank Southwest’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 minutes 1 .

To request money using Zelle, choose “Request,” select the individual 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.

4. Someone sent me money with Zelle, how do I receive it?

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 minutes 1 .

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 FirstBank Southwest

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.

5. What types of payments can I make with Zelle?

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 1 , Zelle should only be used to send money to friends, family and others you trust. Neither FirstBank Southwest 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.

6. Are there any fees to send money using Zelle?

FirstBank Southwest does not charge any fees to use Zelle 4 .

7. How do I get started?

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

8. What if I want to send money to someone whose bank doesn’t offer
Zelle?

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.

9. How does Zelle work?

When you enroll with Zelle through the FBSW 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 FirstBank Southwest). 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 FirstBank Southwest of the incoming payment. FirstBank Southwest directs the payment into your bank account, all while keeping your sensitive account details private.

10. Can I use Zelle internationally?

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

11. Can I cancel a payment?

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
806.355.9661 so we can help you.

12. How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes 1 .
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 minutes 1 .

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 the FirstBank Southwest customer support team a
call toll-free at 806.355.9661 or get in touch through our support page.

13. Will the person I send money to be notified?

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

14. Is my information secure?

Keeping your money and information safe is a top priority for FirstBank Southwest.
When you use Zelle within our mobile app, your information is protected
with the same technology we use to keep your bank account safe.

15. I’m unsure about using Zelle to pay someone I don’t know. What
should I do?

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 FirstBank Southwest 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.

16. What if I get an error message when I try to enroll an email
address or U.S. mobile number?

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 FirstBank Southwest 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 FirstBank Southwest account so you can start sending and
receiving money with Zelle through the FBSW mobile banking app. Please call FirstBank Southwest customer support toll-free at 806.355.9661 for help.

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

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