Zelle® FAQs

With Zelle^®, you can skip the ATM, send the gift of money, split the cost of the dinner bill with friends, and even request half the rent from your roommate.

HOW DO I USE ZELLE^®?

You can send, request or receive money with Zelle^®. To get started, log in to the American Community Bank & Trust mobile app or digital banking. In the main menu, select "Transfer and Pay." Then "Send money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, enter the amount and tap “Request.”

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your American Community Bank & Trust account, typically within minutes.

If someone sent you money with Zelle^®, and 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 American Community Bank & Trust.
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.

IS MY INFORMATION SECURE?

Keeping your money and information secure is a top priority for American Community Bank & Trust. When you use Zelle® within our mobile app or digital banking, your information is protected with the same technology we use to keep your bank account secure.

WHOM CAN I SEND MONEY TO 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.¹

Since money is sent directly from your American Community Bank & Trust account to another person’s bank account within minutes,¹ Zelle^® should only be used to send money to family, friends and others you trust.

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^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE FINANCIAL INSTITUTION DOESN’T OFFER ZELLE^®?

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

DOES AMERICAN COMMUNITY BANK & TRUST OR ZELLE^® OFFER PURCHASE PROTECTION?

Neither American Community Bank & Trust nor Zelle^® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

CAN I USE ZELLE^® INTERNATIONALLY?

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

CAN I REVERSE OR CANCEL A PAYMENT?

No, Zelle^® payments cannot be reversed. 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 you do not see this option available, please contact our client support team at (815) 338-2300 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or digital banking, 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 sent money to the wrong person, please immediately call our client support team at (815) 338-2300 to determine what options are available.

ARE THERE ANY FEES TO SEND MONEY USING ZELLE^®?

No, American Community Bank & Trust does not charge any fees to use Zelle^® in the American Community Bank & Trust app. Your mobile carrier’s messaging and data rates may apply.

ARE THERE ANY LIMITS FOR SENDING AND RECEIVING MONEY WITH ZELLE^®?

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine American Community Bank & Trust send limits, call our client support team at (815) 338-2300.

At American Community Bank & Trust, 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.

HOW DO I USE A ZELLE^® QR CODE?

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 in to the American Community Bank & Trust app and 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 in to the American Community Bank & Trust 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.

I BELIEVE I HAVE BEEN A VICTIM OF A SCAM. WHOM SHOULD I CONTACT?

Please contact our client support team at (815) 338-2300.

¹To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

²Payment requests can only be sent to enrolled Zelle^® users.

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Copyright © 2026 American Community Bank & Trust. All rights reserved. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.