Introducing Zelle® — a fast, safe and easy way to send money to friends, family and other people you trust, even if they don't bank with Trax Credit Union.1 Whether you're paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
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What is Zelle®?
ENROLL TODAY AND SEND MONEY TO FRIENDS AND FAMILY:
- Log into the Trax CU app.
- Click on "Menu".
- Select "Send Money with Zelle®".
- Enroll your U.S. mobile number or email address.
- You’re ready to start sending and receiving money with Zelle.
Zelle® transactions show up in your checking account activity, so you can easily keep track of your money.
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What is Zelle®?
Zelle® 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. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® 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 Trax CU1.
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into the Trax Credit Union app or online banking. In the "Menu" tab, select "Send Money With Zelle®"
To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with 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, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Trax Credit Union account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Trax Credit Union.
- 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 to ensure you receive your money.
How do I get started?
It’s easy — Zelle® is already available within the Trax CU mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.
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.
If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click "Transfer" when prompted during the Zelle® enrollment process and confirm your desired changes.
Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.
Is my information secure?
Keeping your money and information safe is a top priority for Trax CU. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Trax CU account safe.
Who can I send money to with Zelle®?
Can I pay a small business with Zelle®?
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 your Trax CU mobile app using just their email address or U.S. mobile number.
Does Trax Credit Union or Zelle® offer purchase protection?
Neither Trax Credit Union 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.
I believe I've been a victim of a scam. Who should I contact?
Please contact our customer support team at (813) 800-8729. Qualifying imposter scams may be eligible for reimbursement.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I reverse or cancel a payment?
No, Zelle® 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 our customer support team at (813) 800-8729 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 our customer support team at (813) 800-8729 to determine what options are available.
Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Trax CU send limits, call our customer service at (813) 800-8729.
At Trax CU, there are no limits to the amount of money you can receive with Zelle®. However, remember that 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.
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 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 Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Will the person I send money to be notified?
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll 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 Trax CU account, typically within minutes1.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Trax CU.
- Follow the instructions provided on the page to enroll and receive your payment. 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 minutes.1
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 sent directly to your recipient’s account, typically within minutes.1
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 give the Trax CU customer support team a call toll-free at 813-800-8729 or get in touch through our support page.
Are there any fees to send money using Zelle®?
No, Trax Credit Union does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.
I have scanned a Zelle® QR Code, but it isn't working.
The Zelle® QR code feature is currently not available at Trax Credit Union. The ability to use Zelle® QR code will be available soon.
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.