ithinkfi and Zelle

What Zelle is and how it works at ithinkfi

Zelle is a person-to-person payment network built into the ithinkfi mobile app that moves money between enrolled users in minutes, with no fee for standard use.

Zelle sends money directly between bank accounts, so there is no wallet balance to load and no third-party app to download. You enroll with the email address or U.S. mobile number you want people to pay, and incoming payments land straight in your ithinkfi checking account.

Because ithinkfi is a credit union founded in 2012 with a 25-person US-based team, support for Zelle questions is available from real people at 800-873-5100. Standard transfers are free, and the same security features that protect your ithinkfi account, including two-factor authentication and transaction monitoring, protect your Zelle activity.

Sending money step-by-step

Sending money with Zelle takes about a minute: choose a contact, enter the amount, and confirm the payment from the ithinkfi app.

You can send to any enrolled user by their email address or U.S. mobile number, even if they bank elsewhere. The money is pulled directly from your ithinkfi checking account, so the payment moves in real time rather than waiting on a transfer.

1. Log in

   Open the ithinkfi mobile app and sign in with your credentials or biometrics.

2. Open Zelle

   Select Send Money with Zelle from the payments menu.

3. Choose a recipient

   Pick a contact or enter the recipient's email address or U.S. mobile number.

4. Enter the amount

   Type the amount to send and add a note if you want one.

5. Confirm the payment

   Review the recipient and amount, then confirm. Enrolled recipients typically receive the money within minutes.

Receiving money

If you are enrolled in Zelle through ithinkfi, incoming payments are deposited into your checking account automatically, usually within minutes.

To receive money, share the email address or U.S. mobile number you used to enroll. There is nothing else to do: the payment posts to your ithinkfi account as soon as it is sent, and a balance alert can notify you the moment it arrives.

If someone sends money to a different email or phone number, the payment will wait until you enroll that identifier with Zelle. Enrollment takes under a minute in the mobile app, and funds sent to a newly enrolled identifier are delivered right after enrollment completes.

Zelle limits and timing

Transfers between enrolled users typically settle within minutes, and sending limits are set by ithinkfi based on your account and enrollment history.

Standard transfers to enrolled users arrive in minutes and cost nothing. A payment to someone who has not yet enrolled triggers a notification asking them to sign up, and the transfer completes after they enroll. Limits vary by account, so check your personalized sending limit in the app under Zelle settings.

Security tips for Zelle

Only send Zelle payments to people you know and trust, because authorized Zelle payments are treated like cash and cannot be reversed.

Zelle is designed for payments between friends, family, and people you personally know. It is not intended for purchases from strangers, and there is no buyer protection, so a scammer who convinces you to send money can keep it. Treat a Zelle request from an unknown contact the same way you would treat a request for cash.

• Verify the recipient's email or mobile number before sending
• Never send money to a stranger for online purchases
• Be suspicious of urgent payment requests claiming to be from your bank
• Use two-factor authentication on your ithinkfi login
• Call 800-873-5100 immediately if you sent money by mistake