ѻý

Skip to Main Content

ܱ® FAQs

ܱ®is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobilenumber, and money will be available to usein minutes if they’re already enrolled with ܱ®. Your account information and activity stay private. ܱ®is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at ѻý.{{d5021*}}

ܱ®is a convenient way to send money to family, friends, and others you know - like your personal trainer, babysitter or neighbor.{{d5021*}} Before your send money, confirm your recipient is enrolled in ܱ®.

Since money is sent directly from your ѻý account to another person’s bank account within minutes{{d5021*}}, ܱ®should only be used to send money to friends, family and others you trust.

ܱ®is a great way to send money to family, friends, and people that you are familiar with such as your personal trainer, babysitter or a neighbor.

Neither M&T norܱ®offers a protection program for payments made withܱ®–for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

To get started withܱ®, log into the M&T Mobile Banking app or in Online Banking and select Send Money with ܱ® to enroll.

With ܱ®, you can send request and receive money with people who are enrolled in Zelle. To get started, log into the ѻý app or Online Banking. From the main menu in the app, select "Send money with ܱ®" or go to "Payments and Transfers" within Online Banking.

Send money: Choose a contact (or enter a trusted recipient’s email address or U.S. mobile number), enter the amount and an optional note, review, then select “Send.” Your recipient will get a text or email notification (based on how they enrolled). If they’re already enrolled, the money is typically available within minutes.

Request money: Select “Request,” choose who you’re requesting money from, enter the amount and an optional note, review, then select “Request” again. The person you’re requesting from must be enrolled in Zelle®—otherwise they won’t receive the request.

Receive money: Share the email address or U.S. mobile number you enrolled with and ask them to send you money with Zelle®. If you’re already enrolled, the money is sent directly to your ѻý account—typically within minutes.

If someone sends you money and you're not yet enrolled, follow these steps:

  1. Open the link in the payment notification you received by text or email.
  2. Select ѻý.
  3. Follow the prompts to enroll and receive your money. Be sure to enroll using the same email address or U.S. mobile number that received the notification.

No, ѻý does not charge any fees to use Zelle® in the ѻý mobile app.

Your mobile carrier’s messaging and data rates may apply.

The contact information you were trying to enroll is already enrolled withܱ®at another financial institution. Please use a different U.S. mobile number or email address or call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET) to transfer this contact information.

​If you didn’t receive a verification code, verify the information you entered and then proceed to requesting a new verification code.

If you entered the code incorrectly, proceed to requesting a new verification code.

To request a new verification code, click or tap theResend Verification Codelink on theValidate Accountscreen. You will receive a new code to the email or mobile device you're trying to activate. Enter the new code when prompted. You have 10 minutes to enter the verification code correctly before it expires.

If you are already enrolled in ܱ® and you’d like to add additional contact methods, follow the instructions below.

From M&T Online Banking:

  1. SelectPayments and Transfers > Manage ܱ®Settings
  2. Select eitherAdd Email or Add Mobile
  3. Enter the new contact method you’d like to add
  4. ClickNext
  5. Enter the 6 digit passcode sent to the email or U.S. mobile phone number being registered
  6. ClickSubmit

From the M&T Mobile App:

  1. From the main menu, tabSend Money with ܱ®> Settings
  2. Select eitherAdd EmailorAdd Mobile
  3. Enter the new contact method you’d like to add
  4. TapContinue
  5. Enter the 6 digit passcode sent to the email or U.S. mobile phone number being registered
  6. TapContinue
  7. TapAll Done

Transactions between previously enrolled ܱ® users typically occur in minutes.{{d5021*}} Certain transactions may take between 1 and 3 business days to complete the transaction.

If you have any questions, contact M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

​If you are already enrolled in ܱ® and you’d like to remove a contact method, follow the instructions below. Please note, if you receive a future payment to a U.S. mobile number, then you will be prompted to enroll it again before you receive the payment into your bank account.

From M&T Online Banking:

  1. SelectPayments and Transfers > Manage Zelle Settings®
  2. ClickManagenext to the contact method you would like to remove
  3. ClickRemove from ܱ®
  4. Your contact has been removed and you will be directed back to theܱ®settings screen

From the M&T Mobile App:

  • From the main menu, tabSend Money with ܱ®> Settings
  • Tap the contact method you’d like to remove
  • TapDelete
  • TapDelete EmailorDelete Textto confirm you want to remove this contact

​To send money in this case, you'll need to deposit more money into the account you're sending from or try to send an amount that is lower than the available funds in that account.

The amount of money you can send, as well as the frequency, is set by ѻý.You can view your daily and 30-day limits in the payment screen by selecting the question mark next to Limits. A text box will appear to show the remaining amount available for sending in the current 24-hour period. Rememberthat the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

​From the ܱ® Settings screen, click or tapBlock or Unblock Requests.Enter in the requested information, then click or tapBlock or Unblock.

Your payment will expire if your recipient does not enroll inܱ®within 14 days from when you sent the payment.

If your payment expires, the amount you sent will be deposited back into your account.

You can monitor your payments from theܱ®Activity menu option in the M&T Mobile Banking app or in Online Banking.

Make sure that your contact sent the funds using a U.S. mobile phone number that you have enrolled inܱ®.

If not, either enroll the U.S. mobile phone number that your contact used or ask your contact to cancel the payment and resend the funds using one of the contact methods that you currently have enrolled.

If the correct contact information was used, please call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

​If you suspect an error or an unauthorized payment, please visit youror call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

First, check your ܱ® alert settings to make sure they are set up correctly.

From M&T Online Banking:

  1. SelectSettings andSupport > M&T Alerts
  2. Scroll down toܱ®Alerts
  3. Confirm or select the alerts you'd like to set and the method you'd like to receive them.
  4. ClickSave Changes

From the M&T Mobile app:

  1. From the main menu, tapM&T Alerts
  2. UnderSettings > Payment Alerts, tap ܱ®
  3. Confirm or tap on the alerts you'd like to set and select what method you'd like to receive them
  4. TapSave

If you need assistance with your alert settings, please call M&T Online Customer Service at 1-800-790-9130(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

​Please call M&T Online Customer Service at1-800-790-9130(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

We suggest only using Zelle to send money to people you know and trust. If you don’t know the person you’re purchasing from or you’re unsure if you will receive the item or service being purchased, we suggest using another payment method.

​Please visit yournearest M&T branchor call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

Yes, you can request money from friends and family using a U.S. mobile phone number or email address.

Upon enrollment inܱ®you will automatically be enrolled in several required alerts. To update your alert settings follow these instructions:

From M&T Online Banking:

  1. SelectSettings and Support > M&T Alerts
  2. Scroll down toZelle Alerts®
  3. Select the alerts you'd like to set and the method you'd like to receive them
  4. ClickSave Changes

From the M&T Mobile app:

  1. From the main menu, tapM&T Alerts
  2. UnderSettings > Payment Alerts, tap ܱ®
  3. Tap on the alerts you'd like to set and select what method you'd like to receive them
  4. TapSave.

From M&T Online Banking:

  1. SelectPayments and Transfers > Manage ܱ®Settings
  2. Next to Default Account selectedit
  3. Use the drop down menu to select your new default account
  4. ClickSave Changes

From the M&T Mobile App:

  1. From the main menu, tabSend Money with ܱ®> Settings
  2. Tap on Account underDefault Account
  3. Use the drop down menu to select your new default account
  4. TapSave.

Keeping your money and information secure is a top priority for ѻý. When you use Zelle® within M&T Online Banking or the M&T Mobile App, your information is protected with the same technology we use to keep your M&T account safe.

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 the M&T Mobile App or M&T Online Banking using just their email address or U.S. mobile number.

Neither ѻý nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

​If you suspect you've been a victim of a scam, please visit youror call M&T Online Customer Service at1-800-790-9130(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET). Qualifying imposter scams may be eligible for reimbursement.

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

No, ܱ® payments cannot be reversed.

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 you do not see this option available, please contact M&T OnlineCustomer Service at1-800-790-9130(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET) for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app or online banking, 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 know and 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, please immediately call M&T Online Customer Service at1-800-790-9130(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET) to determine what options are available.

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 receive 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 . If their bank or credit union is not listed, we recommend you use another payment method at this time.

The Zelle® QR code feature is currently not available at ѻý. The ability to use ܱ® QR code will be available soon.