Zelle® FAQs

What is Zelle®?

Who can I send money to with Zelle®?

How do I enroll in Zelle®?

• • • If you are enrolled in GSB Online Banking but need to enroll in Bill Payment:
      Go to our Website and log in to your GSB Online Banking and locate the Bill Payment tab and follow the instructions to complete the Bill Payment enrollment steps. Once enrolled in Bill Payment, you can access the “Send Money With Zelle®” tab in Bill Payment to complete a brief one-time enrollment that includes registering your email address or U.S. mobile phone number and deposit account that you would like to use to send and receive money with Zelle®.

• • • If your Online Bill Payment was inactivated due to inactivity:
      This is easy to fix. Just call the GSB Customer Service Contact Center at 888-324-3191 and ask to have your Bill Payment reactivated. After that has been completed, you can access the “Send Money With Zelle®” tab in Bill Payment to complete a brief one-time enrollment that includes registering your email address or U.S. mobile phone number and deposit account that you would like to use to send and receive money with Zelle®.

• • • If you are not enrolled in GSB Online Banking:
      To enroll in GSB Online Banking on our website, go to the “Personal” tab on the Home Page (https://www.greenfieldsavings.com/personal/online-banking) and click on the Sign Up Now button and following the prompts. After you are enrolled in GSB Online Banking, locate the Bill Payment tab and follow the instructions to complete the Bill Payment enrollment steps. Once your enrollment in Bill Payment is complete, you can access the “Send Money With Zelle®” tab on the Bill Payment page to complete a brief one-time enrollment that includes registering your email address or U.S. mobile number and deposit account that you would like to use to send and receive money with Zelle®.

Does Zelle® work with the GSB Mobile App?

How do I use Zelle®?

• • • To Send Money:
      To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, if your recipient is registered with Zelle®, the money is available to your recipient in minutes.

• • • To Request Money:
      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."
      You can also request money from multiple people (who are also enrolled in Zelle®) using the “Split” feature. The amount request using a “Split” feature must be the same amount. For example, you pay $100 for the dinner with 4 friends at a restaurant and request that they each pay you their share of $20.00.

• • • To Receive Money:
      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®.

Are there any fees for using Zelle®?

Transaction Count Limits
Send Money	15 per day, 30 per month
Request Money	10 per day, 30 per month

How do I receive money after I get a notification?

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.
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 Greenfield Savings 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 phone number, to ensure you receive your money.

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.

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

Neither Greenfield Savings Bank nor Zelle® offers a protection program for any payments made with Zelle® that you have authorized. For example, if you make a payment with Zelle® and then do not receive the item you paid for or the item is not as described or as you expected, or if you sent the money to an incorrect account or person; these transactions are final and potentially a high risk.

How do I get started?

It's easy – Zelle® is already available within GSB Online Banking with Bill Payment and in the GSB App. Just sign in online and follow a few simple steps to enroll with Zelle® today.

What if someone's whose financial institution doesn't offer Zelle®?

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

If your recipient's financial institution 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 with a U.S.-based VISA® or Mastercard® debit card.

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.

How does Zelle® work?

When you enroll with Zelle® through your GSB Online Banking Bill Pay account, 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 such as your account number or balances are shared – those stay with Greenfield Savings 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 Greenfield Savings Bank of the incoming payment. Greenfield Savings Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

No. In order to use Zelle®, the sender's and recipient's bank accounts must be based in the United States (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Can I make scheduled or recurring payments Zelle®?

Yes! You can use Zelle® to set up recurring or to schedule a payment. It’s easy to set up and is a great way to use it. There are many options including every month, every 15 days, every week, and every 2 weeks.

Can I cancel a payment made with Zelle®?

You can only cancel a payment if the payment is still pending because 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 “still-pending-payment” you want to cancel and then select "Cancel This Payment." Note: There is a $33 stop payment fee.
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account, typically with minutes, 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 Customer Service Contact Center at 888-324-3191 so we can try help you.

Note: Neither Greenfield Savings Bank nor Zelle® offers a protection program for any payments made with Zelle® that you authorized. For example, if you make a payment with Zelle® and then do not receive the item you paid for or the item is not as described or as you expected, or if you sent the money to an incorrect account or person. These transactions are final and potentially a high risk.

How long does it take to receive money with Zelle®?

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

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.

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 Customer Service Contact Center at 888-324-3191.

Will the person I send money to be notified?

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

Is my information secure with Zelle®?

Keeping your money and information safe is a top priority for Greenfield Savings Bank. When you use Zelle® within our GSB Online Banking or GSB Mobile App, your information is protected with the same technology we use to keep your bank account safe.

Is it safe sending money to someone I don't know?

Use Zelle® to send money only to friends, family members and others you trust. NEVER use Zelle® to send money to someone you don’t know. Sending money with Zelle® is like sending cash to someone – It cannot be recovered, even if you made a mistake. 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.
Note: Neither Greenfield Savings Bank nor Zelle® offers a protection program for any payments made with Zelle® that you authorized. For example, if you make a payment with Zelle® and then do not receive the item you paid for or the item is not as described or as you expected, or if you sent the money to an incorrect account or person. These transactions are final and potentially a high risk.

What if I got an error message when enrolling?

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. In order to enroll with a different bank or credit union, or in the Zelle® app, your mobile number or email address must be removed from where it was initially enrolled. To do so, contact the Customer Support Team where you initially enrolled and ask them to remove your mobile number or email address. If you aren’t sure where you initially enrolled, contact Zelle Customer Support at 844-428-8542 or get in touch through the Support Page.
Once completed, you may now enroll your mobile number or email address and start sending and receiving money with your GSB Zelle® account.

Don't Have Our Mobile App?
Download it for Free*

Please be sure to only download from the official App Store. Beware of potential look-alike apps.

The FREE* GSB Mobile App is available for Apple and Android users in both phone and tablet versions at the Apple Store/Google Play Stores.

Download the App

* Data charges may apply. Check with your mobile phone carrier for details. App store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

Mobile network carrier fees may apply.
Must have a bank account in the U.S. to use Zelle®.
Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled 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 with Zelle®.
Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.