Send or Receive Money With Zelle ®
Save a trip to the ATM. Divvy up a lunch tab. Zelle® is a fast, safe and easy way to send and request money. And it’s integrated right into your Online and Mobile Banking account.
Send or request money
In just a few clicks, send funds to enrolled participants via their phone number or email.
Transfer in minutes
Get funds fast and avoid writing a check or finding an ATM.
Works with other Zelle® users
Transfer money directly from your account to enrolled participants in minutes.
Safe and secure
Benefit from the protections on both your account and your phone.
Watch this video to learn more about Zelle®
Click through this demo to experience it for yourself
How Zelle® Works
Using Zelle® is as simple as logging into your online account or Mobile Banking app.
- In Online Banking, click on Bill Pay | Zelle®, (must enroll in Bill Pay to use Zelle®), then click on Send Money with Zelle® OR in Mobile Banking, click on Transfers & Payments, then click on Send Money with Zelle®
- Select which account you want to use
- Then select “send” or “request” and browse your contacts to make a transfer
Frequently Asked Questions
What is Zelle®?
We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes1, all from the convenience of online banking or our mobile app.
Who can I send money to with Zelle®?
You can send money to friends, family and others you trust2 who are enrolled with Zelle® via their participating financial institution.
Since money is sent directly from your bank account to another person’s bank account within minutes1, 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 National Bank Bemidji’s online banking or mobile baking app, navigate to bill pay and select “send money with Zelle®”. 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®.
To send money using Zelle®, simply add a trusted and enrolled 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 minutes1.
To request money using Zelle®, choose “request,” select the enrolled participants email address 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, just share your enrolled email address or U.S. mobile phone number with a trusted and enrolled participant and ask them to send you money with Zelle.
What if I want to send money to someone whose bank or credit union doesn’t offer 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 received 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.
1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
2 Must have a bank account in the U.S. with a participating financial institution to use Zelle®.
3 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®.
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