Introducing Zelle® — a fast, safe and easy way to send
money in minutes1 to friends, family and others you trust, right from the Farmers State Bank mobile app. Zelle®
makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle® in
your Farmers State Bank app.
Send money directly from your account to
theirs — typically in minutes.1
Send or receive money right from your
Farmers State Bank app.
Send money to almost anyone you know and
trust1 using just an email address or U.S. mobile phone number.
Zelle® is a fast, safe and easy way to send and receive money
with friends, family and others you trust, even if they bank somewhere different than you.1 All you need is
your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in
minutes.1 No account numbers are shared.
You can send, request, or receive money with Zelle®. To get
started, log into Farmers State Bank’s mobile app and select Zelle® in your app. Enter your email address or U.S. mobile
number, receive a one-time verification code, enter it, review and accept the terms and conditions, and you’re ready to
start sending and receiving 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 mobile
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 Farmers State Bank account, typically
If someone sent you money with Zelle® and you have not yet
enrolled with Zelle®, follow these steps:
a. Click on the link provided in the payment notification you received via email or text message
b. Select Farmers State Bank.
c. 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.
Keeping your money and information safe is a top priority for
Farmers State Bank. When you use Zelle® within our mobile app, your information is protected with the same technology we
use to keep your Farmers State Bank account safe.
Zelle® is a great way to send money to family, friends, and
people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your Farmers State 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).
Neither Farmers State Bank nor Zelle® offers 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.
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 Farmers State Bank mobile app using just their email address or U.S. mobile number.
Neither Farmers State Bank nor Zelle® offers a protection
program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you
trust. Also, 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.
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 406-642-2023 for assistance with canceling the
If the person you sent money to has already enrolled with
Zelle®, 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 trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending
If you sent money to the wrong person, please immediately call
our customer support team at 406-642-2023 so we can help you.
No, Farmers State Bank does not charge any fees to use Zelle®
in the Farmers State Bank app.
Your mobile carrier’s messaging and data rates may apply.
The amount of money you can send, as well as the frequency, is
set by each participating financial institution. To determine Farmers State Bank send limits, call our customer service at
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.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient’s bank or credit union isn’t on the list,
don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle®
by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their
basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.
based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international
deposit accounts or any credit cards.
1 U.S. checking or savings
account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not
incur transaction fees.
Zelle® and the Zelle® related marks
are wholly owned by Early Warning Services, LLC and are used herein under license.
Routing Number# 092902394
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