Zelle® is now available to FineMark clients through the Personal Mobile Banking app. Zelle is a fast, safe and easy way to send, request or receive money**. With just an email address or U.S. mobile phone number, you can send money directly between almost any bank account in the U.S. to people you know and trust, typically within minutes1.

 

Zelle. This is how money moves.®

Enroll Today!

To get started, download and open FineMark’s Personal Mobile Banking app. Locate the “+” menu button at the bottom of the screen and tap the Zelle icon. From there, follow the instructions on your mobile device. You will be asked to enter or confirm your email address and U.S. mobile phone number, link a deposit account and verify your registered email address and U.S. mobile phone number.

Send & Receive Money

  • To send money using Zelle, simply select a recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional memo, review, then hit “Send.” In most cases, the money is available in minutes1.
  • To request money using Zelle**, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount, include an optional memo, review and hit “Request”.
  • To receive money, just share your enrolled email address or U.S. mobile phone number with friends and ask them to send you money with Zelle.

It's Important to Note:

It’s important to note, 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. Neither Zelle nor FineMark is responsible for any errors that you make while entering a recipient’s email address or U.S. mobile number. Neither Zelle nor FineMark 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. For your protection, the total amount of money FineMark allows you to send each day with Zelle is $300. For questions about limits, give us a call or stop by one of our offices.

Frequently Asked Questions

What is Zelle®?

Zelle is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes . With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank2.

When will FineMark offer Zelle?

You will be able to access Zelle through the FineMark Personal Mobile Banking app on February 26, 2019.

Who can I send money to with Zelle?

You can send money to friends, family and people you know2. Zelle should not be used to send money to people you don’t know. Since money is sent directly from your bank account to another person’s bank account within minutes1, 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 phone number. We recommend you ask recipients to enroll with Zelle before you send them money.

How do I use Zelle?

To get started, download and open FineMark’s Personal Mobile Banking app. Locate the “+” menu button at the bottom of the screen and tap the Zelle icon. From there, follow the instructions on your mobile device. You will be asked to enter or confirm your email address and U.S. mobile phone number, link a deposit account and verify your enrolled email address and U.S. mobile phone number.

To send money using Zelle, simply select a recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional memo, review, then hit “Send.” In most cases, the money is available in minutes1.

To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount, include an optional note, review and hit “Request”.**

To receive money, just share your enrolled email address or U.S. mobile phone number with friends and ask them to send you money with Zelle.

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 minutes1. If you have not yet enrolled with Zelle, follow these steps:
1. Click the link provided in the notification you received via email or text message.
2. Select FineMark National 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 in Zelle with that email address or U.S. mobile number to ensure you receive your money.

Who can I send money to with Zelle?

Zelle is a great way to send money to family, friends and people you know and trust2. Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should not be used to send money to people you do not know.

Zelle should not be used for the purchase of goods. Neither Zelle nor FineMark offer a protection program if you do not receive what you paid for or the item you receive is not as described or as you expected.

Are there any fees to send money using Zelle?

FineMark does not charge any fees to use Zelle3.

How do I get started?

It’s easy — starting February 26, 2019, Zelle will be available within FineMark’s Personal Mobile Banking app. Locate the “+” menu button in the app, tap the Zelle icon and follow a few simple steps to enroll with Zelle today. We recommend you enroll before someone sends you money — this will help you get your first payment faster.

You can find a full list of participating banks and credit unions here. If your recipient’s bank isn’t on the list, he or she can use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter his or her basic contact information, an email address and U.S. mobile phone 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 the FineMark app, your name, FineMark’s name and the email address or U.S. mobile phone number you enrolled is shared with Zelle (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile phone number in its “directory” and notifies FineMark of the incoming payment. FineMark then directs the payment into your account, all while keeping your sensitive account details private.

Can I use Zelle for my business?

At this time, Zelle is intended for personal use only. Use of Zelle for commercial purposes is prohibited by the Personal Mobile Banking Terms & Conditions.

Can I use Zelle internationally?

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

Can I use Zelle at more than one financial institution?

You can enroll with Zelle at multiple intuitions, but you must use a different email address or U.S. mobile phone number each time you enroll. For example, if you enroll with Zelle using your home email address on the FineMark app, you cannot use that same email address to enroll with Zelle at another bank. You can, however, use a different email address or U.S. mobile phone number to enroll.

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

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. If you want to use Zelle for your FineMark account and your U.S. mobile phone number or email address is already associated with Zelle through another financial institution, you will need to contact the other financial institution to un-enroll your mobile phone number or email address. Please call FineMark at 833.461.3802 for help.

Can I cancel a payment?

If the recipient has already enrolled with Zelle, the money is sent directly to his or her 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 use the correct email address or U.S. mobile phone number when sending money. If the recipient has not yet enrolled with Zelle, the recipient will have 14 days to enroll and receive his or her money. If the recipient does not enroll after 14 days, the payment will be cancelled.

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 stop by an office, call us at 833.461.3802 or email us at clientservice@finemarkbank.com.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled person within minutes1. Ask your friends and family to enroll with Zelle before you send them money — this will help them get your payment more quickly.

If you send money to a person who isn’t enrolled with Zelle, the recipient will receive a notification prompting him or her to enroll. After enrollment, the money will move directly into your recipient's account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes1.

If your payment is still 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.

How will I be notified of account activity with Zelle?

FineMark may send an email or text message related to your Zelle activity from the short code: 20736 or from clientservice@finemarkbank.com.

FineMark’s standard text alerts will come from the short code: 58084 and standard email alerts will come from clientservice@finemarkbank.com or operations@finemarkbank.com.

Will the person I send money to be notified?

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

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 if 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 the transaction.

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

Is my information secure?

Keeping your money and information safe is a top priority for FineMark. When you use Zelle within FineMark’s Personal Mobile Banking app, you can send or receive money without revealing your sensitive financial account information.

It’s important to note, Zelle does not have the ability to dispute purchase transactions. Zelle is intended to replace instances where cash is exchanged. Once you send money with Zelle, you cannot cancel the payment if the recipient is already enrolled. Therefore, only send money to known and trusted recipients when using Zelle.

Disclosures

** In order to send payment requests or split payment requests to a U.S. mobile phone number, the mobile phone number must already be enrolled in Zelle.

1. To receive money in minutes, the recipient’s email address or U.S. mobile phone number must already be enrolled with Zelle.

2. Must have a bank account in the U.S. to use Zelle.

3 Mobile carrier fees may apply.

The information described in these FAQs is only applicable to the Zelle experience through the FineMark Personal Mobile Banking app. FineMark partners with Zelle to offer a unique experience to its clients through the FineMark Personal Mobile Banking app. Other financial institutions may partner with Zelle and offer their own Zelle experience for their clients, subject to their own terms and conditions.

There is a separate Zelle app that is not operated or maintained by FineMark National Bank & Trust or any other financial institution. Instead, it is operated by Early Warning Services LLC, a third-party entity. If you use the Zelle app, you will be subject to separate terms and conditions not related to FineMark National Bank & Trust.

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