Zelle

Working together - our goals are one.
Working together
our goals are one.

Zelle is a fast and easy way to send and receive money with friends, family, or others in minutes, between domestic bank accounts at U.S. financial institutions.  With just an e-mail address or mobile phone number, you can send money directly to their bank account, regardless of where they bank.  There are no fees when using the One Florida Bank Mobile Banking app or Online Banking.  

We recommend that you do not use Zelle to send money to persons or businesses that you do not know.  Neither One Florida Bank nor Zelle offers a protection program for any authorized payments made with Zelle.

  • How do I send money with Zelle?
    • To send money with Zelle, log in to our Mobile Banking app or Online Banking and select Send money with Zelle from the Dashboard, then click Send. If you know that your recipient is enrolled with Zelle, you should ask them if they want you to send money to their U.S. mobile number or e-mail address.  Once you send the money, both you and your recipient will be notified.  After you send or request money to or from someone new, they will be added to your recipient list so you can easily send/receive money in the future.
  • How do I receive money with Zelle?
    • To receive money with Zelle, you’ll need to enroll your U.S. mobile number or e-mail address (the sender needs to use the specific e-mail address of U.S. mobile number that you enrolled). Only U.S. mobile numbers are eligible.
  • How do I know money was sent to me?
    • If you’re enrolled with Zelle: In addition to receiving an e-mail or text from One Florida Bank alerting you that you’ve received money, you can view incoming and outgoing Zelle payments in your Zelle
    • If you’re not enrolled with Zelle: You’ll receive an e-mail or text from Zelle with instructions on how to enroll to receive your money.
  • I never received my authorization code when I enrolled my U.S. mobile number or e-mail address. What should I do?
    • If you were expecting to receive an authorization code via e-mail, make sure you entered your e-mail address correctly, check your spam folder and make sure e-mails from ofb-ebanking@onefloridabank.com are not blocked.
    • If you were expecting to receive an authorization code via text and didn’t, make sure you used a U.S. mobile number, you entered it correctly, and check with your mobile carrier that the short code 739-81 is enabled.
    • Please note that One Florida Bank will never call you to provide you with (or ask you for) an authorization code over the phone. If you received a phone call telling you you’ve received a code, it is very likely a scammer is trying to obtain access to your account. One Florida Bank security page.
  • Are there limits on how much I can send?
    • For your security, we restrict the number of transactions and the dollar amount you can send to recipients per transaction, in any 24-hour, 7-day, and 30-day period. Note that we do not limit how much money you can receive with Zelle.  However, the sender may be subject to limits on how much they can send.  Zelle Cap Amounts
  • Does One Florida Bank or Zelle offer a protection program?
    • Neither One Florida Bank nor Zelle offers a protection program for any authorized payments using Zelle. For example, if you make a purchase using Zelle, but you do not receive the item, or the item is not as described or as you expected, you will have to deal directly with the merchant, or person you sent the money to.
    • Please remember: While Zelle is a great way to send money to family, friends and people that you know and trust (such as your personal trainer, roommate, babysitter or neighbor), we recommend you do not use Zelle for potentially high-risk transactions (if you don’t know the person you are sending to) or aren’t absolutely certain you’ll get what you paid for (items bought from an online bidding or sales site).  Zelle should only be used for low-dollar, personal transactions.
  • How quickly does the money get sent with Zelle?
    • If your recipient is enrolled with Zelle, money is typically available within minutes. If your recipient isn’t enrolled, they will need to enroll to receive their money.  Once enrolled, the money moves to the recipient’s account and is typically available within minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls.  If your recipient does not enroll within 14 days of when the money is sent, the funds are released back to your account, and the transaction is cancelled.
  • Can I cancel a Zelle payment once it’s been sent?
    • You can only cancel pending payments to recipients not yet enrolled with Zelle. You can see incoming and outgoing Zelle payments (both pending and completed) on the Zelle Activity page.
    • If the transaction is still pending, you can go to your Activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”
  • Can I use Zelle at One Florida Bank if I already use Zelle at another bank?
    • If your U.S. mobile number or e-mail address is associated with another bank, then you will need to use a different U.S. mobile number or e-mail address to enroll with Zelle with One Florida Bank.
  • Can I use Zelle from my One Florida Bank business account?
    • Currently One Florida Bank does not offer Zelle for business accounts.
  • What do I do if my recipient didn’t receive the funds I sent with Zelle?
    • First, check the status of your payment. You can see incoming and outgoing Zelle payments on the Zelle Activity page. 
    • If the payment status is Pending, make sure the recipient enrolls with Zelle using the e-mail address or U.S. mobile number to which you sent money. Once they enroll, money moves directly to their account. 
    • If the payment status is Received, verify that the U.S. mobile number or e-mail address you used to send the money to your recipient matches the U.S. mobile number or e-mail address associated with your recipient’s Zelle. Note:  In some cases, payments may also be delayed for your protection – for example if Zelle or One Florida Bank suspect that fraudulent activity has taken place.  If you still have questions, please contact us at (844) 529-8490.
  • What happens if the contact information I enter for my recipient is wrong?
    • If you send money to a U.S. mobile number or e-mail address that differs from the contact information of your intended recipient, check the Pending section of your Zelle If the status of your payment is Pending, you can cancel it.  If the status of your payment is Delivered, please contact us at (844) 529-8490.

Important Disclosures and Information

Mobile Banking

Mobile Banking requires that you download the One Florida Bank Mobile Banking app.

Zelle should only be used to send money to friends, family, or others that you trust.

**One Florida Bank will never ask you for the following information:

  • PIN Number
  • One-time Passcode
  • User ID’s
  • Existing Security Words
  • Account Number

**If you have any concerns, please contact us at (844) 529-8490.  You can also use the Contact Us link through online banking, or the Support section on our One Florida Bank mobile app.

To send money to, or to receive money from a small business, a consumer or small business must be enrolled with Zelle through their bank’s mobile app or enrolled in the Zelle app with a deposit account.

Transfers require enrollment in the service and must be made from an eligible One Florida Bank Consumer Online Banking ID to a domestic bank account.  Payment requests to persons or businesses not already enrolled in Zelle must be sent to a U.S. e-mail address.  Recipients have 14 days to enroll to receive money or the transfer will be cancelled.  Transactions typically occur in minutes when the recipient’s e-mail address or U.S. mobile number is already enrolled with Zelle.  We will send you an e-mail alert or text message with delivery details immediately after you schedule the transfer.  Dollar and frequency limits apply.  Data connection required.  Message and data rates may apply.

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