Send and Receive Money with Zelle®

What is Zelle^®?

Zelle^® is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union in the U.S., typically within minutes¹. 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 bank³.

How does Zelle^® work?

When you enroll with Zelle^® through Bar Harbor Bank & Trust, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with Bar Harbor Bank & Trust). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle^® looks up the email address or mobile number in its “directory” and notifies Bar Harbor Bank & Trust of the incoming payment. Bar Harbor Bank & Trust then directs the payment into your bank account, all while keeping your sensitive account details private.

What are the best uses for Zelle^®?

Zelle^® is a great way to send money to friends, family, and people you are familiar with such as your classmate, babysitter, or neighbor³.

If you don't know the person, or if you aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle^® for these types of transactions, which are potentially high risk. Neither Bar Harbor Bank & Trust, 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.

Zelle^® is not intended for use by Bar Harbor Bank & Trust business banking customers.

How do I get started?

It’s easy — Zelle^® is already available within Bar Harbor Online and the Bar Harbor Mobile app! To get started, log into your Bar Harbor Online account or Bar Harbor Mobile app and select “Send Money with Zelle^®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle^®.

Get detailed instructions on how to enroll from Bar Harbor Online.

Can I use Zelle^® internationally?

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

Will I be charged a fee from Bar Harbor Bank & Trust for using Zelle^®?

Bar Harbor Bank & Trust does not charge any fees to use Zelle^®.¹

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 our customer support team at 1-888-853-7100 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired Bar Harbor Bank & Trust account so you can use it for Zelle^®.

Is it safe to use Zelle^® to send money?

No sensitive account details are shared when you send and receive money with Zelle^®. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle^® with people you trust, and always make sure you are using the correct U.S. mobile number or email address.

For more information about how to use Zelle^® safely, visit www.zellepay.com/pay-it-safe.

Is Zelle^® available for businesses to use?

Currently, Bar Harbor Bank & Trust only offers Zelle^® on our personal accounts.

How do I use Zelle^® to send money?

To send money using Zelle^®, simply select 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.”

Read step-by-step instructions on how to send money from Bar Harbor Online.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle^®?

If your recipient’s bank or credit union isn’t on the list of participating banks and credit unions, 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.

Will the person I send money to be notified?

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

When will my payment arrive with Zelle^®?

Money sent with Zelle^® is typically available to an enrolled recipient within minutes¹.

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 minutes¹. If the recipient does not enroll with Zelle^® within 14 days, the payment or request will expire.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the right email address or U.S. mobile phone number.

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 or credit union 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, call our customer support team at 1-888-853-7100 so we can help you.

Is there a limit to how much money I can send using Zelle^®?

You can send up to $1,000 per transaction, up to $1,500 per day, up to $5,000 per week, and up to $15,000 per month. Limits are set by Bar Harbor Bank & Trust to protect you from fraudulent activity.

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 Bar Harbor Bank & Trust account, typically within minutes¹.

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 Bar Harbor Bank & Trust.
3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile phone number to ensure you receive your money.

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

Money sent with Zelle^® is typically available to an enrolled recipient within minutes¹.

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 do I request money using 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 to request, include an optional note, review and hit “Request”⁴.