Send Money with Zelle®

Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at City National Bank.¹

You can send, request or receive money with Zelle®. To get started, log into the  City National Bank App.² Go to the "Move Money ($)" menu and select the “Zelle®” icon. Enroll the email address or U.S. mobile phone number you want associated with your City National personal checking account, receive and enter a one-time verification code, accept terms and conditions, and you’re ready to start sending and receiving money with the City National Bank App and 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,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

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 City National Bank account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

A. Click on the link provided in the payment notification you received via email or text message.

B. Select City National Bank.

C. 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.

Zelle® is available for use with your City National personal (consumer) checking accounts, as long as you have a valid U.S. social security number and valid U.S. address. Other City National personal and business deposit accounts and credit cards cannot be used 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 City National Bank account to another person’s bank account within minutes¹, Zelle® should only be used to send money to friends, family 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).

To send money using Zelle®, choose “Send” from the menu. Simply select the recipient from your mobile device’s contacts or enter a trusted recipient’s email address or U.S. mobile phone 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

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

To request money using Zelle®, choose “Request” from the menu. Select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”³

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

No. City National Bank does not charge any fees to use Zelle® in the City National Bank App.

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

Yes, there are limits on how much money you can send with Zelle. Limits are also subject to change.

• $1,000 per transaction, per day
  • New City National personal (consumer) clients within 90 days of opening an eligible account
  • New City National Zelle enrollments within the first five (5) business days after enrollment
     
• $2,000 per transaction, per day
  • From City National checking accounts
     
• $5,000 per transaction, per day
  • From City National Private Banking and other eligible checking accounts

Transfer limits apply per transaction and per day for your combined eligible accounts. For example, you can send multiple transactions up to $1,000 per day within your first five days after enrollment in Zelle.

There is no limit on how much money you can receive with Zelle. 

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 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 Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Yes. The recipient will receive a notification via email or text message, depending on how they are enrolled.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.¹

If you send money to someone who is not enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.¹

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.

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 customer support team at 800 773-7100 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, 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 customer support team at 800 773-7100 to determine what options are available.

Neither City National Bank or 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.

Keeping your money and information secure is a top priority for City National Bank. When you use Zelle® within the City National Bank App, your information is protected with the same technology we use to keep your City National Bank account safe.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. When enrolling with Zelle® through the City National Bank App, we will automatically confirm if your email address or mobile number is already enrolled with another financial institution, and allow you to transfer it to your City National account, directly in the City National Bank App.

If you wish to retain your existing Zelle® enrollment at another financial institution using your U.S. mobile number, you may enroll with Zelle® at City National using your email address. Similarly, if you are enrolled at another institution using your email address, you may enroll with Zelle® at City National using your mobile number.

Please contact our customer support team at (800) 557-4262.