Zelle® for Your Small Business

Zelle^® is a fast, safe and easy way for small businesses to send, receive, and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your Capitol Federal® bank account with just your email address or U.S. mobile number.

Simply log into Capitol Federal®’s online banking or mobile app and select “Zelle®.” Then, enter an email address or U.S. mobile number to connect to your small business bank account.

Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Capitol Federal’s online banking or mobile app and select “Send Money with Zelle®”.

Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money 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.¹

If the small business or consumer you send money to has already enrolled with Zelle^® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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.  

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^® with a small business account, click “Send Money with Zelle^®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”²

If your customer is using Zelle^® through their banking app, they’ll be able to pay you with Zelle^®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle^® app, they will not be able to send you money with Zelle^®, and you should arrange for a different payment method.

To determine whether your small business is eligible to use Zelle®, log in to your mobile banking app and look for Zelle®. If you're able to enroll with Zelle® using your small business checking account, then you are eligible to use Zelle®.

No, Capitol Federal® does not charge a fee to use Zelle® with a small business account.

Your mobile carrier's messaging and data rates may apply.

Neither Capitol Federal® nor Zelle® offers purchase protection for payments made with Zelle®.

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 support team at 1-888-8CAPFED for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^® through their bank or credit union’s mobile app, 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 try to send money to a consumer who is enrolled in the Zelle^® app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending or receiving money to users enrolled in the Zelle^® app.   

If you sent money to the wrong person, please immediately call our customer support team at 1-888-8CAPFED so we can help you.

Keeping your money and information safe is a top priority for Capitol Federal®. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your Capitol Federal® account safe.

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app.¹

Please call Capitol Federal® at 1-888-822-7333 so we can help you.

There are a few ways you can encourage your customers to pay you with Zelle®.

• Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
• Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).⁽²⁾
• Download Zelle® marketing assets for free from zellepay.com and add them to your website, social media and more!

Please note, you’ll only be able to receive payments from consumers using Zelle® through their financial institution’s banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.

No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Capitol Federal® send limits, call our customer service at 1-888-8CAPFED.

At Capitol Federal®, there are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

Please contact our customer support team at 1-888-8CAPFED. Qualifying imposter scams may be eligible for reimbursement.