Move, Send, Transfer Money

1. Log into the Andrews Federal mobile app, or online banking.
2. In the main menu, select Move Money, then Send Money with Zelle^®.
3. Enroll your email address or U.S. mobile number.
4. You’re ready to start sending and receiving money with Zelle^®.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your Andrews Federal account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

No, Andrews Federal Credit Union does not charge any fees to use Zelle® in the Andrews Federal Credit Union app.

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

Keeping your money and information secure is a top priority for Andrews Federal. When you use Zelle® within our mobile app or Digital Banking, your information is protected with the same technology we use to keep your Andrews Federal account safe.

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.

Neither Andrews Federal 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.

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

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 800-487-5500 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.

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 Andrews Federal mobile app or online banking using just their email address or U.S. mobile number.