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A happy young woman using her phone and installing Zelle to send money to a friend
PAY IT FORWARD. PAY IT BACK

Send or request money with Zelle®

Available on our mobile app

Say Hello to Zelle®

Securely send money to the people you trust from anywhere using Zelle1 — the trusted peer-to-peer payment platform, available on the First Midwest Mobile Banking App.2

Ready to get started with Zelle?

  1. Download the First Midwest Mobile App.2 Don’t have the app? Download Now.
  2. Log in to the app, then tap the + button for more options. Then select Zelle. 
  3. Follow the prompts to get started, then check your email for confirmation.

Want to send money?3

  1. From the First Midwest mobile app, tap the +, then select Zelle.
  2. Tap send, then select your recipient and enter the amount you want to send.
  3. Include an optional memo and tap send money.

Illustrations of how to use Zelle to send money via a mobile device


Want to request money?4

  1. From the First Midwest Mobile App tap the +, then select Zelle.
  2. Tap request, then select your recipient and enter the amount you are requesting.
  3. Include an optional memo and tap send request.

Illustrations of how to use Zelle to request money via a mobile device


Split money

  1. From the First Midwest Mobile App tap the +, then select Zelle.
  2. Tap split, then select the contacts who are splitting the bill and enter the amount you want to split. You can adjust each person’s amount individually, too.
  3. Include an optional memo and tap send request.

Illustrations of how to use Zelle to split money via a mobile device

Still Have Questions?

Here are answers to some of the most 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 minutes3. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank3.

Who can I send money to with Zelle?

You can send money to friends, family and others you trust3.

Since money is sent directly from your bank account to another person's bank account within minutes3, 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 number.

How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into First Midwest Bank's consumer mobile app, tap the plus (+) sign, then tap Zelle. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving 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 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 minutes3.

To request money using Zelle, choose "Request," 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"4.

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.

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 minutes3. If 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 First Midwest Bank.
  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.
What type of payments can I make 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 neighbor3.

Since money is sent directly from your bank account to another person's bank account within minutes3, Zelle should only be used to send money to friends, family and others you trust.

Zelle does not offer 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. First Midwest Bank's Retail Account Agreement and the Online Agreement describe our responsibility for accepting, rejecting and completing electronic funds transfers and electronic payments and these agreements apply to your online transactions using Zelle except as otherwise provided in the Zelle Service Terms of Use.

Are there any fees to send money using Zelle?

First Midwest Bank does not charge any fees to use Zelle3.

What if I want to send money to someone whose bank doesn’t offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's bank isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile 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 First Midwest Bank consumer mobile app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Midwest Bank). 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 Midwest Bank of the incoming payment. First Midwest Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle internationally?

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

Can I cancel a payment?

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. This is why it is important to only send money to people you trust, and always ensure you have used the correct email address or U.S. mobile number when sending money.

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire and the transaction will need to be made again.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you are not able to get your money back, please call us at 877-203-6724 so we can help you.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes3.

If you send money to someone who isn't 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 minutes3.

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 are 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.

Still having trouble? Please give First Midwest Bank Online Banking and Mobile Support a call toll-free at 877-203-6724 or get in touch through our support page.

Will the person I send money to be notified?

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

Is my information secure?

Keeping your money and information safe is a top priority for First Midwest Bank. When you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

I am unsure about using Zelle to pay someone I don’t not know. What should I do?

If you do not know the person, or are not 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 these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Zelle does not offer 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. First Midwest Bank’s Retail Account Agreement and the Online Agreement describe our responsibility for accepting, rejecting and completing electronic funds transfers and electronic payments and these agreements apply to your online transactions using Zelle except as otherwise provided in the Zelle Service Terms of Use.

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

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call Online Banking and Mobile Support and ask them to move your email address or U.S. mobile phone number to First Midwest Bank so you can use it for Zelle.

Once Online Banking and Mobile Support moves your email address or U.S. mobile phone number, it will be connected to your First Midwest Bank account so you can start sending and receiving money with Zelle through the First Midwest Bank consumer mobile banking app. Please call First Midwest Bank Online Banking and Mobile Support toll-free at 877-203-6724 for help.

Can I pay a small business with Zelle?

Yes, some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your First Midwest Bank mobile banking app using just their email address or U.S. mobile number.

Zelle does not offer a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Can I enroll my business accounts in Zelle?

No. At this time, First Midwest Bank does not allow you to enroll your business account.

1 Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know.

2 Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

3 Transfers require enrollment with Zelle and must be made from an eligible First Midwest Bank consumer deposit account to a domestic bank account or debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Mobile Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply. Neither First Midwest Bank Bank nor Zelle offers protection program for any authorized payments made with Zelle.

4 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. Payment requests to persons not already enrolled with Zelle must be sent to an email address. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

1 Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know.
2 Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. 
3 Transfers require enrollment with Zelle and must be made from an eligible First Midwest Bank consumer deposit account to a domestic bank account or debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Mobile Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply. Neither First Midwest Bank Bank nor Zelle offers protection program for any authorized payments made with Zelle. 
4 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. Payment requests to persons not already enrolled with Zelle must be sent to an email address.

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