Coming Soon!

Family Horizons is pleased to offer Zelle! 

You’ll find convenient access within home banking and our mobile banking app!

Send Money with Zelle
You already have access to Zelle within Family Horizons home and mobile banking applications!

Who are you sending money to?
Enter the email address or U.S. based mobile phone number of the person you want to send money to. Almost anyone with a U.S. bank account can receive money with Zelle!

How much do you want to send?
Enter the amount and send it on its way! If the recipient is enrolled in Zelle, they’ll receive the money in a matter of minutes. If not, they will receive Zelle enrollment instructions.

That’s all! Sending money with Zelle is easy!

Zelle® Q&As

What is Zelle?

Zelle is a fast, safe and easy way to send money to people you know and trust, typically in minutes (1). With just an email address or U.S. mobile phone number you can send money to any eligible U.S. bank accounts, regardless of where they bank.

Who can I send money to?

You can send money to anyone you know and trust with Zelle. For your protection it is important to ensure that you are using accurate, up-to-date email addresses and mobile phone numbers for those you would like to send money to, since the money is moved directly from your account to theirs within minutes (1).

Is my information secure?

When Zelle is used within our mobile app or online banking, the same security protections that we use to protect your accounts are in place.

Is there a fee for Zelle?

Currently, Family Horizons does not charge a fee for Zelle. Data rates may apply from your mobile carrier if used on your mobile device.

Are there limits to the amount of money I can send or receive with Zelle?

Spending limits: For security reasons, we do restrict the amount of money that can be sent with Zelle. Please see our Zelle agreement for specifics.
Receiving limits: Family Horizons does not currently limit the amount of money you can receive with Zelle.

What types of payments can I make with Zelle?

With Zelle, you send money to people such as your babysitter, the guy who mows your lawn, or your roommate for rent (2). Zelle should only be used to send money to family, friends and people you know and trust.  Zelle does not offer a protection program for any authorized 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.

Can I use Zelle internationally?

To use Zelle, the sender and recipient must have an eligible bank account within the U.S.

Can I cancel a payment?

A payment can only be cancelled if the person you sent money to has yet to enroll with Zelle. You can view any pending payments via the Activity page. If the payment is still pending, simply select it and then select “cancel payment”. If the recipient is already enrolled with Zelle the payment cannot be cancelled. If you accidently send money to the wrong person, we recommend contacting the recipient and requesting the money back. If you can’t get your money back, please contact us for assistance.

How does Zelle work?

Upon enrolling with Zelle through Family Horizons home or mobile banking, your name, email address/U. S. mobile phone number used, and financial institution name are shared with Zelle (sensitive account details are not). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle locates your information within their system and notifies your Financial Institution of the incoming payment. The money is directed into your account by your Financial Institution, ensuring your sensitive account details are kept confidential.

How do I get started?

Using Zelle is as easy as logging into Family Horizons home or mobile banking. To get started, under payments, select Zelle. Accept the Terms and conditions, provide your U.S. mobile number or email address and choose the account you want to use with Zelle. That’s it!

How do I send money?

To send money, click Send, select a contact from your contact list or add one, enter the amount, an optional note, and click Send.

Will the person I send money to receive a notification?

Yes, they will receive an email or text notification letting them know you have sent money.

How do I request money?

To request money for things like your share of the rent or concert tickets, simply click Request, select a contact from your contact list or add one, enter the amount, an optional note and click Request (3). Your contact will receive a notification that you have requested money from them.

How do I receive money?

If you are already enrolled with Zelle, no action is needed. The money will be directly moved to your account. If you are not already enrolled, simply click on the link provided within the email or text notification received. Select your Financial Institution’s name and follow the provided instructions to enroll with Zelle and receive your payment. Note: it is important to enroll with Zelle using the email address or U.S. mobile phone number that you received the payment notification at.

How long does it take to receive money?

Money is typically received within minutes when both the sender and recipient are enrolled with Zelle. If you send money to someone who is not enrolled with Zelle, they will receive easy steps on how to enroll. Upon enrolling, the money will move directly into their account within minutes (1).

What if I want to send money to someone whose FI does not offer Zelle?

No worries! The recipient is still able to download the Zelle app. To enroll they can enter their basic contact information including their email address or U.S. mobile phone number as well as a VISA or Mastercard debit card that is associated with a U.S. bank account. Accounts in U.S. territories or international deposit accounts are not accepted. It is also recommend to always check the ever growing list of participating financial institutions when in doubt at

What if my payment is pending or I am waiting to receive money?

If your payment is pending, it is a good idea to confirm that you have entered the correct email address or U.S. mobile phone number for the person you are sending money to. If so, we recommend checking to ensure that the recipient has enrolled with Zelle. If you are waiting to receive money, we recommend checking to ensure that you have received an email or text notification letting you know that the money is on its way. If you haven’t, it is a good idea to check with the sender to confirm they have entered your correct email address or U.S. mobile phone number. If you are still having issues, please give us a call at 317-352-0423. We are happy to assist.

What if I get an error message when I try to enroll?

An error message during enrollment could indicate that your email address or U.S. mobile phone number is already enrolled with Zelle. Please contact us at 317-352-0423 to have a member service representative move your email address or U.S. Mobile phone number to our Financial Institution so you can begin using Zelle.

(1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile phone number are already enrolled with Zelle.
(2) Must have a bank account in the U.S. to use Zelle.
(3) In order to send payment requests or split payments requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Visa is a registered trademark of Visa International Service Association.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.