Move Money, Manage Payments

We make it fast and easy

Whatever you need to do – pay someone (or have them pay you), move money between your accounts at Bell and other financial institutions, or find one spot where you can manage your loan payments – Bell’s personal banking technology upgrades are designed for your convenience.

Send and receive money with Zelle®. Easily transfer funds at Bell, or between Bell and other banks. And check your balances, set up payments and more, on all your personal loans. Doing any of these on the mobile app? You’ll see a new look and feel for that as well.

Banking’s a part of your life. We want to make it the easy part.

Don’t have our mobile app?

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  • Send Money with Zelle®
  • External Fund Transfers
  • Loan Payments
  • Zelle® FAQs

Learn More

Zelle Safety
Zelle Send Money
Zelle Split Expenses
Zelle Request Money

Don't have our mobile app?

Download it for free:

 


App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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

2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.

3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle®.

External Transfers Now Available

Easily move funds between accounts at Bell Bank and at other financial institutions, whether you’re on desktop or mobile. With the upgraded external fund transfers in personal online banking, you can:

  • Move money quickly, any way you choose, using the “External Transfers” tool
  • Easily navigate on desktop or mobile
  • Transfer to and from checking, savings and money market accounts at U.S.-based financial institutions

To start using the external transfer platform, log into your personal online banking as you always have. Then complete your quick, one-time enrollment in External Transfers.

 

Frequently Asked Questions

What are external funds transfers?
External funds transfers allow you to transfer funds between your personal Bell Bank checking or savings account, and checking and savings accounts you own at other U.S. based financial institutions.
How do I add my checking or savings account at a different financial institution?
Once logged in to your personal online or mobile banking, choose external transfers. Next choose Add a New Account. Some accounts can be added right away from participating financial institutions, while others may require micro-deposits that will be sent to your external accounts in 3-5 days. Once you validate those deposits, you can activate your account.
Do I need account and routing number at my other financial institution?
Yes, you will need to have the full routing and account number to add the account. These can be found on the bottom of your checks or deposit tickets for that account, may be on your bank statements, or you may need to reach out to your other financial institution for this information.
I am currently using the external transfer service through your bill pay service. Will this still be available?
This service will no longer be available starting on September 21 when we go live with the new service. Any pending transfers and any account you have set up currently will need to be set up again in the new service. We apologize for any inconvenience.
Can I move money from my other financial institution into my Bell Bank account?
Yes, you can move money from your external account into your personal Bell Bank checking or savings account. You can also move money from your Bell Bank account to your personal external accounts at another financial institution.
How quickly will the external funds transfer take to move between my accounts?
Many transfers will be able to move between your accounts in minutes, depending on your other financial institution’s capabilities and the amount of the transfer. Other transfers may take 1-3 business days to complete.
Can I transfer funds through this service to other individuals?
This service is only able to be used to transfer funds between accounts you own. To send funds to other individuals, or to request they send funds to you, please use Zelle®.
Can I transfer funds with my accounts at international financial institutions?
You will not be able to transfers funds to or from accounts at an international financial institution. The funds can only be sent between U.S.-based financial institutions.
Can I cancel an external transfer?
If the external transfer is still in a pending status, it can be cancelled. From the External Transfer page, choose Activity, then select the transfer you are looking to cancel. Then choose Cancel Transfer.


Need Help?

Contact digital services for technical support at 866-221-1136.

Personal Loan Payments (coming soon)

Manage all your personal (non-mortgage) loan payments – car loans, home equity loans and lines of credit, ready reserve and more – all in one spot. (If you have a mortgage serviced at Bell, we’re upgrading our mortgage payment platform).

With the personal online banking upgrade to loan payments, you’ll be able to:

  • Manage a variety of loans from the “Loan Payments” screen
  • Navigate easily on desktop or mobile
  • Easily create and change one-time and recurring payments
  • Link and pay from any U.S. checking or savings account with the same ownership as the account you’re using in online banking

Frequently Asked Questions

Will my recurring/scheduled transfer still occur?
All authorized pending transfers will continue to process as normal. You can edit or cancel an existing pending transfer or series at any time by going to the Online Activity page.
Will my future dated transfer still occur?
Yes, all existing pending transactions will process as authorized.


Need Help?

As always, you can call our personal online banking support team at 800-450-1529. We answer the phones from 7 a.m. to 10 p.m. CT weekdays and 7 a.m. to 6 p.m. CT weekends. If we don’t know the answer to your question right away, we’ll find it for you – or connect you with the help you need.

Zelle® 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 minutes2. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust1. Since money is sent directly from your bank account to another person’s bank account within minutes2, 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®.

  1. To get started, log into personal online banking or your mobile app and choose Zelle® in the menu. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle®.
  2. 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, then hit “Send.” In most cases, the money is available to your recipient in minutes2.
  3. 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”3.
  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 be sent directly into your bank account, and will be available typically within minutes2. 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 your financial institution.
  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 where you received the notification to ensure you receive your money.
What types 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 neighbor1.

Since money is sent directly from your bank account to another person's bank account within minutes2, Zelle® should only be used to send money to friends, family and others you trust.

Neither your financial institution nor Zelle® 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.

How do I get started? 

It's easy – Zelle® is already available within online Bill Pay and your mobile banking app! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

What if I want to send money to someone whose financial institution doesn't offer Zelle®? You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient's financial institution 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 your online banking Bill Pay account, or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with your financial institution).

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 your financial institution of the incoming payment. Your financial institution 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?

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 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'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 when sending money.

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 contact your financial institution's customer service.

Scheduled and recurring payments are features provided by your financial institution in our online banking and mobile banking app and are not features of Zelle®. Please contact customer services with any questions concerning scheduling or recurring payments. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes2. 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 be available in your recipient's account, typically within minutes2.

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.

Still having trouble? Please contact your financial institution's customer service.

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. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
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 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 these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither your financial institution nor Zelle 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.

What if iI 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 our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®. Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle®through your financial institution's mobile banking app and online banking. Please call your financial institution's customer service for help.

Don't have our mobile app?

Download it for free:

 


App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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

2 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®.

3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle®.