— Send and Receive Money

Frequently Asked Questions

• What is Zelle ?
  Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or a U.S. mobile phone number, you can send money to friends, family and other people you know and trust, regardless of where they bank.
• How do I use Zelle

  You can send, request or receive money with Zelle, or even split the cost of a bill.

  • To get started, sign in to First Republic Bank’s online banking or mobile app, navigate to Transfers and select “Send Money with Zelle®.” Accept terms and conditions, then enter your email address or U.S. mobile phone number. You’ll need to enter a one-time verification code and select a primary deposit account.
  • 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 and then hit “Send.” In most cases, the money is available to your recipient in minutes.
  • To request money using Zelle, choose “Request.” Then select the individual(s) from whom you’d like to request money, enter the amount and select “Request.”
  • 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.
  • To split the cost of a bill using Zelle, choose “Split,” select the individual(s) with whom you’d like to split the bill, enter the total amount and select “Split.”³
• How does Zelle work?
  When you enroll with Zelle through our online banking or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled with is shared with Zelle. No sensitive account details are shared — those stay with First Republic. 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 First Republic Bank of the incoming payment. First Republic Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
• I am a Popmoney client, what action should I take?
  No action is required at this time. We will email you once Zelle is available at First Republic later in July.
  
  Once Zelle is available, we will shift your Popmoney pending payments⁴, activity and contacts to Zelle after you complete a quick one-time enrollment. If the recipient is not enrolled with Zelle, they will be notified to take additional action to receive the money. Additionally, your Zelle sending limits set by First Republic Bank, take into account your previous Popmoney payments and any pending and/or future dated Popmoney transfers.
  
• What if I have already used Zelle through another financial institution?

  You can still enroll with and use Zelle through First Republic Bank. Zelle doesn’t restrict you from enrolling through multiple financial institutions. However, the same email address or U.S mobile phone number cannot be used at multiple financial institutions to send and receive money.

  If you would like to use the same email address or U.S mobile phone number to send and receive money at First Republic Bank that has been previously used at another financial institution, you need to transfer it to First Republic Bank, either at the time of enrollment with Zelle or from the Zelle activity screen at a later time. You will get an email confirmation after the email address or U.S. mobile phone number is transferred.