When timing is everything – send money with Zelle®. A fast, safe and easy way to send money to friends and family – free in your SMB Online. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
Fast and Secure
Send and receive money in moments1 while keeping your account information private.
Easy
Send money to friends and family. All you need is a U.S. mobile number or email.
Send money to friends and family. All you need is a U.S. mobile number or email.
Free
Zelle® is free in your SMB Online. Access it online and in your mobile app.
Zelle® is free in your SMB Online. Access it online and in your mobile app.
What is Zelle®?
Send money
- Tap “Send Money with Zelle®” and then “Send”.
- Add your recipient.
- Enter the amount and select your account.
- Add a note if you'd like and tap “Send Money".
Receive money
- If you're already enrolled with Zelle®, there's nothing more to do. Money sent to you will go directly to your account. If not yet enrolled, follow these instructions:
- Tap “Send Money with Zelle®” and then “Request”.
- Select from recent recipients or add new.
- Check your text messages or email for a one-time code, so we can confirm it’s you.
- Next time someone sends you money, it will be available in your account within minutes.
Frequently Asked Questions
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 with Southwest Missouri Bank1.
How do I get started?
To get started, log into your SMB Online. Select "Send money with Zelle®" from the menu options. Then, follow a few simple steps to enroll with Zelle® today.
Not available for businesses.
How does Zelle® work?
You can send, request, or receive 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 Southwest Missouri Bank account, typically within minutes.
Who can I send money to 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 Southwest Missouri Bank account to another person’s bank account within minutes1, 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).
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.