banks and credit unions are unveiling a unified service to customers this week, called Zelle, after years of watching Silicon Valley innovators such as PayPal Inc. Banks and credit unions use robust systems to prevent problems, but anything is possible. Sun Community Federal Credit Union is the largest credit union headquartered in Imperial County. Regular Annual Audit Verification- If your account does not agree with your records, please notify our auditors at: c/o Auditors of Memphis City Employees Credit Union 26 Security Drive, Jackson, TN 38305. Interra Credit Union is a member-owned, not-for-profit financial cooperative (also called a co-op). For screen reader users, these slides appear in a list below. Finance your dream home today. Advantage Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. Find sunshine on a cloudy day with a First Credit Union savings account. Energy Capital Credit Union is a Houston Credit Union offering a full suite of financial services, with a track record of satisfied members dating back to 1934. The website you are linking to is not operated by CAP COM Federal Credit Union. Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho, and North Idaho. If you live, work, worship or attend school in Lucas and Wood Counties, you are now eligible to belong to the Maumee Valley Credit Union. Click here to check your browser compatibility. From savings and checking to mortgages and retirement solutions, we make your life a little easier. From the humblest beginnings to a multimillion-dollar organization, Coosa Valley Credit Union has a history built on the caring, hard-working people of the Coosa Valley Region. Banking in the South Bay for 80 years, Kinecta offers its members a full range of financial products through the Credit Union and its subsidiary, Kinecta Financial & Insurance Service. It’s easy for you. Members who use all of our products can save as much as $1,000 per year. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 844. You are now leaving Xceed Financial Credit Union’s website. Deposit and loan products offered by: Southwest Louisiana Credit Union, Member NCUA, An Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U. Credit Human is here for you. Mountain America Credit Union, P. What if my bank or credit union doesn't offer Zelle®? Don’t worry! Our network of participating financial institutions is always growing, and you can still use Zelle by downloading the Zelle app for Android and iOS. NET Federal Credit Union has been open since 1941. Once that's done you'll be able to connect to your Atlantic Union Bank account so you can start sending and receiving money with Zelle through the Atlantic Union Bank mobile app and Online Banking. If so, the member will need to use another email address or mobile phone number to link your credit union (this may feel clunky to members but it is a limitation of Zelle). Bank with Adventure Credit Union in Grand Rapids and Lansing, MI and enjoy great Michigan craft banking solutions. We are a not-for-profit financial cooperative. 33% APR for the Florida market average over the life of a $25,000 auto loan over 72 months. Skip to main content Download the UHCU app on Google Play. Connexus Credit Union checking accounts are stellar, with the potential to earn high rates. Personal Banking. Our mobile banking apps make it easy, and they're FREE!. We are continually actively working to increase accessibility and usability of our website to everyone. banks had already been using the clearXchange Network, which is the foundation for Zelle. Avoid using your bank's app on public wi-fi—wait until you're home or use your mobile phone's data network instead. Do not get a loan through Arrowhead Credit Union, it is a nightmare and you will regret it. With just an email address or U. Much has changed since then, but we remain true to our founders’ belief in sharing success with our members, our team and our community. Your email address or U. Visit us for the best rates on loans, checking, credit cards & all your banking!. APCU share certificate rates up to. Zelle should only be used to transfer money with people you know and trust. National Credit Union Administration, a U. This allows credit unions to compare members' demand to usage, and to determine whether signing up with Zelle is worth the trade-offs. Banks and credit unions use robust systems to prevent problems, but anything is possible. 49 Million and provides banking services to more than 16,000 members. We are actively working to increase accessibility and usability of our website to everyone. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. CAP COM Federal Credit Union is not responsible for, nor do we represent you or the External web site if you enter into any agreements. Check out the only financial institution that promises to treat you with dignity, respect, and honor. Not available in all areas. based account (does not include U. Do I need. Learn more about events & workshops sponsored by Delta Community Credit Union to help you with your personal or business checking, loans, investment & retirement planning and more. Travis Credit Union offers checking and savings accounts, mortgage, car loans, credit cards and other personal & business banking services. Our member-owned cooperative model allows us to truly focus on the best interest of our members and community, by offering lower loan rates, greater. News and tips to protect your accounts. territories). Your email address or U. Check your balances on your Altura savings, checking, loan or credit card balances * Personalize the look of your background* * Choose which widgets you’d like to see on your dashboard* View pending transactions. Call the Zelle customer support team and ask them to move your email address or U. Credit Human is a 100% member-owned, member-directed, and member-governed credit union. the privacy and security policies of external websites will differ from those of california bear credit union. See related:How to choose a P2P payment service. We are definitely very satisfied Members and will refer our friends and family to Consumers whenever we can! Thanks CCU! Mr. to use Zelle. The credit union does not represent the third party or member if the two enter into a transaction. This credit union is federally insured by the National Credit Union Administration. This locator will help you find the most convenient ATM location to use your MoneyPass card surcharge-free. Download Zelle 3. Send Money with Zelle ®. Check out Delta Community's blog for insightful tips and information on personal and business banking, financial planning, applying for a loan and. mobile phone number to Citizens National Bank so you can use it for Zelle. Zelle doesn't require a bank or credit union to participate in its network to allow it to receive funds; so even Zelle holdouts will see some activity on their accounts. Their membership is over 106,000 strong. Government Agency. The bottomline action item that emerges from the new research is that your credit union needs a p2p strategy. At Affinity, our mission is to "build better lives", but what does that mean?. Save up to with an APCU Auto Loans. Arizona Federal - a local, phoenix metro credit union that strives to exceed the financial needs of our members by providing quality checking accounts, new and used car loans, credit cards and more. Zelle provides banks and credit unions of all sizes the opportunity to provide a mobile P2P payment solution supported by major banks. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. If you live, work, worship or attend school in Oxford County, Maine you are eligible for membership at Oxford Federal Credit Union. Can I use Zelle® internationally? You cannot use Zelle to send to international bank accounts. 1111 for assistance. Government Agency. We encourage everyone to use common courtesy, be respectful of others and follow our social media guidelines to foster healthy social communities and to protect your privacy. Both parties need a U. Our primary focus areas are member financial well-being, enrichment of community, and promotion of quality education. Insurance & Financial Services to provide trusted insurance products for our members. Zelle doesn't require a bank or credit union to participate in its network to allow it to receive funds; so even Zelle holdouts will see some activity on their accounts. consumers the ability to easily, quickly and securely send and receive payments making it a convenient alternative to checks and cash. Go to Send Money with Zelle, then read and accept the Zelle ® Transfer Service Addendum. Serving the Imperial and Riverside Counties. VSECU PO Box 67 Montpelier, VT 05601 | 802/800 371-5162 Routing: 211691185. , typically within minutes 1. Coastal Credit Union in North Carolina has been proudly serving our members since 1967. Coosa Valley Credit Union In 1954, nine men had a vision of each one helping the other. Move money, pay bills, monitor your accounts and more, all from your favorite mobile device. FAIRWINDS Credit Union, in Central Florida, has the best banking solutions along with the service and technology to help you achieve financial freedom. Some credit unions won't join the bank-operated Zelle P2P network — even as their members demand the service. The largest credit union in Pennsylvania, PSECU offers the financial opportunities to help you live better. Today, Texans proudly serves members throughout the Dallas-Fort Worth area, offering low-rate loans, high-yield deposit products, and friendly local service. Unlike a bank, we are 100% member-focused. Use Zelle with almost any bank 2. Click Meritrust Credit Union Mobile Banking in your search results to download the app for free. to use Zelle. Georgia’s Own is a full-service, not-for-profit financial institution, owned by members (that’s you!) rather than controlled by stockholders. This web site, www. What is the real difference between a traditional bank and a credit union? A notable difference is that credit unions are not-for-profit while banks are for-profit. 0 Feast on a frightening metric: PayPal, an Internet company from the start, now is worth more than venerable American Express. Welcome, SETXEFCU!. This Credit Union is federally-insured by the National Credit Union Administration. Your email address or U. Check out a MVCU Platinum Credit Card, our rates are not tied to an index. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. mobile phone number to your financial institution so you can use it for Zelle. APY = Annual Percentage Yield. mobile phone number to Patterson State Bank so you can use it for Zelle. mobile phone number to your bank so you can use it for Zelle. Checking accounts must be based in the U. mobile phone number. The largest credit union in Pennsylvania, PSECU offers the financial opportunities to help you live better. This credit union is federally insured by the National Credit Union Administration. Joining University Federal Credit Union is Easy. Alaska USA Federal Credit Union is a federally chartered financial services cooperative with branches across Alaska, Western Washington, and California's High Desert Region. With United Credit Union, you will enjoy access to the most complete list of financial products and services as well as benefits offered only to United Credit Union Members. Online Banking: Put more financial control at your fingertips. If your sender’s bank is a Zelle member and supports real-time payments, you’ll usually get the money a few minutes after it’s sent. To avoid delays in sending and receiving funds using Zelle, make sure the email and/or phone number you want to use is only enrolled at one bank or credit union, and that it matches what the bank has on file. Your email address or U. Send money to trusted recipients in a matter of minutes. Inquire with your wireless provider for more information. mobile phone number may already be enrolled with Zelle at another bank or credit union. Zelle FAQs Is Zelle available internationally? No, it is not. You can still use Zelle if your bank or credit union isn't listed below). This allows credit unions to compare members' demand to usage, and to determine whether signing up with Zelle is worth the trade-offs. If you are using a screen reader and are having problems using this website, please call 888. National Credit Union Administration, a U. Learn how to move money quickly and securely with Union Bank. VEHICLES FOR SALE. 3 Participating carriers include (but are not limited to): AT&T, Sprint, T-Mobile®, U. Members must have a checking/debit card to use this service. (NASDAQ: FISV), a leading global provider of financial services technology solutions, announced today that multiple banks and credit unions will join the Zelle Network℠ through Turnkey Service for Zelle℠ from Fiserv, allowing consumers to make fast person-to-person (P2P) payments directly from their online banking sites and mobile banking apps. Welcome to Shell Federal Credit Union. based account (does not include U. If your contact is new to Zelle, they will get an email or text message with instructions on how to access Zelle with their bank, credit union or the Zelle app. Here you'll find: Employee Stories, Upcoming Events, Promotion Details, In-Depth Product Information, Financial Tips & Advice, and more! See what we're up to today!. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Earnings are returned to our members in the form of lower loan rates, higher interest yields on deposits, and lower (and sometimes eliminated) fees. We are actively working to increase accessibility and usability of our website to everyone. Join today & discover membership. Find out how we can help!. ” Not sure where that leaves those of us who don’t have experience with Zelle. Visit us today and become a member. Even if you’re successful in finding banks that don’t use ChexSystems, keep in mind 80 percent of banks and credit unions screen new customers using ChexSystems. ® Introducing Zelle ® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the Texas First State Bank mobile app. All products and services available on this website are available at OneAZ Credit Union's full-service locations. 2 All you need is your recipient’s email address or U. You can “request” or “pay” other users and add a note or emoji as the transaction. Pima Federal Credit Union. Founded by credit unions more than 40 years ago, PSCU plays a leading role in the progression of credit union success and growth. JSC Federal Credit Union (JSC FCU) can serve as your one-stop source for all your financial needs. Move money, pay bills, monitor your accounts and more, all from your favorite mobile device. Bank with Black Hills Federal Credit Union in South Dakota and enjoy great banking solutions including auto loans, mortgages, business loans and more. Whether it’s buying your first house or consolidating debt to save money, Michigan First can help you find the best financial solution to get you there. If so, the member will need to use another email address or mobile phone number to link your credit union (this may feel clunky to members but it is a limitation of Zelle). Thanks to the top financial institutions that partner with Zelle nationwide, you can send and receive money to and from anyone in the United States, no matter which banks your recipients use. At certain places on this site, there are links to other websites. org, is the only authorized web site of Municipal Credit Union of New York City, New York. We’re officially open for business in the Sahuarita/Green Valley area! More details here. To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U. to use Zelle®. Through your Orange County's Credit Union accounts, you may transfer funds to your other financial institutions both outgoing and incoming. Plus, UW Credit Union does not charge any fees to use Zelle. The app will be. Transfer Money Quickly and Conveniently With Union Bank ®, sending money online has never been easier. Let us know your travel plans to prevent debit and credit card interruptions. Attention: On Thursday, August 1, from 10:00 pm - 10:30 pm (EST), our online and mobile systems are scheduled for maintenance. I have a BOFA checking account that had zelle support and i had seen it on my cap one 360 site as well. Can I access Zelle’s services without a smartphone? If your banking institution or credit union has partnered with Zelle, you may use their online banking website services to send and receive money. If your contact is new to Zelle, they will get an email or text message with instructions on how to access Zelle with their bank, credit union or the Zelle app. Their membership is over 106,000 strong. ) Pay Bills - Set up one-time or recurring payments for bills such as electric, water or other utilities. 1 million members and approximately $37 billion in assets. Venmo: Transferring is easiest if both parties are on the app. None of the big Colorado credit unions like Bellco Credit Union, Public Service Credit Union, or Elevations Credit Union currently support Zelle. Alliance Catholic Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. National Credit Union Administration, a U. " Not sure where that leaves those of us who don't have experience with Zelle. Your email address or U. Please make sure that the email associated with your Gilman payment information, your bank and what you register with Zelle is the same, as well as your savings account numbers, match in the app as what is. LEARN MORE. Online Banking: Put more financial control at your fingertips. The CO-OP Financial Services Shared Branching network consists of more than 5,000 credit union branches, which offers credit union members convenience comparable to the nation’s largest banks. From savings and checking to mortgages and retirement solutions, we make your life a little easier. This site may be utilized for authorized purposes only. Some banks & credit unions won’t allow you to open an account if you have too many new accounts on your Chexsystems report, but not all financial institutions look at your ChexSystems report and these won’t show up. Become a member today. Whether you're looking for a loan, a convenient online or mobile banking, Expat financial services or much more, ECCU has the answer!. Unlike a bank, we are 100% member-focused. Coastal Credit Union in North Carolina has been proudly serving our members since 1967. Your email address or U. Zelle: Operates through apps of participating banks and credit unions. The payment processors, which could connect Zelle to thousands of other banks and credit unions are CO-OP Financial Services, FIS, Fiserv, and Jack Henry & Associates. All products and services available on this website are available at all LGE Community Credit Union full-service locations. Transactions between enrolled Zelle users typically occur in minutes. We are actively working to increase accessibility and usability of our website to everyone. Georgia’s Own is a full-service, not-for-profit financial institution, owned by members (that’s you!) rather than controlled by stockholders. With our Special Certificates, your money helps provide affordable financing to churches, ministries, and their members. Then over the next year, millions more consumers, including individuals at non-participating banks and credit unions, will experience Zelle through a standalone Zelle app. Being a member of a credit union is not like opening an account at the usual bank. mobile phone number to Glenview State Bank so you can use it for Zelle. When you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe. The latest Tweets from Alliant Credit Union (@AlliantCU). Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC You must have a bank account in the U. Here at Texans, we believe you deserve the best, and we welcome you to come find out what makes Texans Credit Union more than a bank. Transactions typically occur in minutes when the recipient's email address or U. Cellular®, Verizon Wireless. To be able to utilize the platform, you must provide a U. Box 2331, Sandy, UT 84091, 1-800-748-4302. Welcome to 1st United Credit Union News & Community We are committed to improving the quality of life for our members and the communities we serve across the East Bay and Tri-Valley areas. National Credit Union Administration. The official credit union of the Houston Texans, FCCU is your source for Home, Auto, Student, Business and Personal loans as well as Free savings and checking. If you use these links, you will leave the Cyprus Credit Union web site. Use Zelle with almost any bank 2. Credit Union 1 is helping Alaskans whose food, heath or shelter is at risk by donating a portion of every loan you finance with us to the Uplifting Others Fund. Your email address or U. Complete 24/7 mobile access to your accounts, loans, and transactions, all with ease and a human touch. Today, Texans proudly serves members throughout the Dallas-Fort Worth area, offering low-rate loans, high-yield deposit products, and friendly local service. Navy Federal Credit Union Member(NFCU) customers who have received "New Payment Transfer With Zelle Pay" emails like the one below, which claim money has been transferred to their account are asked to delete and not follow the instructions in them. NCUA National Credit Union Administration, a U. Want to make the switch from another financial institution? Use our Switch Kit!. Get the latest Financial Security updates. Welcome to United Credit Union, “Your Financial Partner for Life”. Get exclusive access to the very best banking solutions and exceptional customer service with the Harvard University Employees Credit Union. Routing #322281691. Can I access Zelle’s services without a smartphone? If your banking institution or credit union has partnered with Zelle, you may use their online banking website services to send and receive money. Close Alert. General Electric Credit Union (Cincinnati, Ohio) is a full-service financial institution offering: credit cards, mortgages, checking accounts, and more. I have a BOFA checking account that had zelle support and i had seen it on my cap one 360 site as well. Money moves quickly – directly from bank account to bank account. Some links in this site may direct you outside of the Stanford Federal Credit Union website. We are a not-for-profit financial cooperative. With just an email address or U. mobile phone number may already be enrolled with Zelle at another bank or credit union. Go to Send Money with Zelle, then read and accept the Zelle ® Transfer Service Addendum. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Suncoast Credit Union Accessibility Statement Purpose Since early 2017 and as part of Suncoast's commitment to accessibility for persons with disabilities, Suncoast has been working to modify and update all of its core web page material and mobile application material to include enhanced features for improved accessibility. We love being of service in our communities, and helping you get money-smart!. Postal Service and those from Select Groups within a 50 mile radius of a USPS FCU office or branch. First Tech Federal Credit Union is the nation's premier credit union serving employees & family members of the world's leading technology companies. The member-owned, not-for-profit financial cooperative. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. (Answers are case sensitive) If your account becomes frozen you must contact the Credit Union at 1-800-226-6673. GreenState Credit Union membership is open to anyone who lives or works in Iowa plus 4 Counties in Illinois. Make your money work for you while promoting Kingdom growth. Join Darden Credit Union and take advantage of fee-free atm locations, low-rate auto loans, competitive savings account rates and much more!. mobile phone number may already be enrolled with Zelle at another bank or credit union. Hughes FCU has been the best, hands down. Energy Capital Credit Union is a Houston Credit Union offering a full suite of financial services, with a track record of satisfied members dating back to 1934. Welcome to 1st United Credit Union News & Community We are committed to improving the quality of life for our members and the communities we serve across the East Bay and Tri-Valley areas. Our main branch is located downtown near the Capitol; we have a total of six branches in Austin, Round Rock and Cedar Park. In 1939, fifteen Arizona educators pooled their money together to start a local credit union. To enroll using this option, you’ll also need to submit your contact information, a U. Regular Annual Audit Verification- If your account does not agree with your records, please notify our auditors at: c/o Auditors of Memphis City Employees Credit Union 26 Security Drive, Jackson, TN 38305. Discover credit union checking, credit cards, HELOC, home loans, auto loans, mobile banking, and more, in San Diego. NCUA National Credit Union Administration, a U. Incidentally, credit unions and smaller community banks are in fact embracing Zelle. Texans Credit Union was established in 1953 by a group of TI employees in Dallas, TX. Find sunshine on a cloudy day with a First Credit Union savings account. NMLS #763460. Type Meritrust or Meritrust Credit Union Mobile Banking in the search field. to use Zelle. This Credit Union is federally-insured by the National Credit Union Administration. If credit unions and banks choose to build directly to the Zelle/Early Warning standard, they take on lots of development, so going with a vendor who has done that work already is probably a very. - 5048341 - 2 Of all credit unions i am a member of i. to family, friends and trusted contacts, typically within minutes 1. Go to Send Money with Zelle, then read and accept the Zelle ® Transfer Service Addendum. We are not responsible for any content or information posted to this external web site. Stay in touch with your Credit Union 1 account with email alerts and eStatements. This allows credit unions to compare members' demand to usage, and to determine whether signing up with Zelle is worth the trade-offs. Use our convenient ATM Locator Wizard to find an ATM near you. Apply Now ». Justice Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. Aside from its 21 branches in the Boston area, you can use more than 5,000 shared branches for basic banking services, and you have access to a network of more than 100,000 surcharge-free ATMs. Millions of people have it in their bank’s app or the Zelle app is. Zelle does not accept debit cards associated with international deposit accounts or any credit cards. Located in Fayetteville, NC, Fort Bragg Federal Credit Union is proud to offer our members great rates and help serve our community. Sound Credit Union has been a great blessing, so glad I dumped [my other bank]! Superb interest rates, "can-do" attitudes, friendly, convenient and free ATM transactions at any 7-11. Use our convenient ATM Locator Wizard to find an ATM near you. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (800) 743-7228 for assistance. If so, anyone have any experience?. Manage your Kinecta accounts online with access to credit cards, consumer loans and FREE bill pay all with the latest in security technology to keep you safe. The third largest credit union in Florida with over 50 locations, offering home loans, auto loans, mortgage refinancing, online banking, mobile banking and more. You are now leaving the Allegacy Federal Credit Union website. We are continually actively working to increase accessibility and usability of our website to everyone. Save, borrow & more. This credit union is federally insured by the National Credit Union Administration. NCUA National Credit Union Administration, a U. --(BUSINESS WIRE)--First Tech Federal Credit Union today announced the Zelle experience is now LIVE in its mobile banking app. Genisys Mobile Banking Apps Take a Genisys Branch wherever you go! Your busy lifestyle demands better ways to stay on top of your finances. The Coca-Cola Credit Union mobile app lets you bank quickly and securely while on-the-go, so you never miss a beat while managing your life and your money. mobile phone number to Northwestern Bank so you can use it for Zelle. Unlike a bank, we are 100% member-focused. NMLS #763460. Join Darden Credit Union and take advantage of fee-free atm locations, low-rate auto loans, competitive savings account rates and much more!. This Credit Union is federally-insured by the National Credit Union Administration. Join GreenState today!. Texans Credit Union was established in 1953 by a group of TI employees in Dallas, TX. Finance Your Dreams. With so many different choices from money markets to retirement savings, you're sure to find Financial Sunshine ® here :). Your email address or U. You are now leaving Xceed Financial Credit Union’s website. You should contact your carrier for complete pricing details. We are actively working to increase accessibility and usability of our website to everyone. Postal Service and those from Select Groups within a 50 mile radius of a USPS FCU office or branch. Thanks to the top financial institutions that partner with Zelle nationwide, you can send and receive money to and from anyone in the United States, no matter which banks your recipients use. Noble Credit Union is a local Credit Union founded in 1941, proudly serving the Central Valley. The app will be. However, you can still receive the wire funds in your account. ZELLE℠ Fact Sheet June 2017 About Zelle Zelle is a new faster payments network from Early Warning that provides U. Zelle should only be used to transfer money with people you know and trust. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Unlike Apple Pay, which focuses on the point-of-sale and accommodates debit or credit, Zelle competes with the Venmos of the world. At People First FCU we are improving the accessibility and usability of our website for our members and potential members. All products and services available on this website are available at OneAZ Credit Union's full-service locations. Credit unions and community banks of all sizes are participating in the Zelle Network. And it might be the answer to the specter of disintermediation, especially among the younger set. Does Zelle offer its own cards? No. Your email address or U. Your credit union probably supports Apple Pay. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Let us know your travel plans to prevent debit and credit card interruptions. Then over the next year, millions more consumers, including individuals at non-participating banks and credit unions, will experience Zelle through a standalone Zelle app. As a result, Star One Credit Union uses several layers of technology to prevent unauthorized users from gaining access to our internal network.