Send and receive money with Zelle®.

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With Schwab Bank and Zelle®, you can easily send money to friends, family, and others you trust, typically within minutes.¹ Access Zelle® through the Schwab Mobile app², and use your Schwab Bank Investor Checking™ account³ to send money to or receive money directly from almost any bank account in the U.S. You just need the recipient's email address or U.S. mobile phone number.

Charles Schwab Bank and Zelle logo

What is Zelle®?

  • Fast

    Send money in minutes¹ from your account directly to friends, family, or others you trust.

  • Safe

    When you use Zelle® within the Schwab mobile app, your information stays safe and is never shared with the person you are sending it to.

  • Easy

    Simply look for Zelle® in your Schwab mobile app, select someone you trust, and follow the one-time enrollment prompts to start sending or requesting money.

How to get started.

  • You must have a Schwab Bank Investor Checking™ account.
  • You must have an email address or U.S. mobile phone number.
  • You will need the Schwab mobile app to enroll your account.

Open a Schwab Bank Investor Checking™ account today >

Already have a checking account with us? Enroll today:

  • Step

    Download the Schwab Mobile app.

  • Step

    In the app, select "Move Money", and then select "Send Money with Zelle®."

  • Step

    Follow the enrollment prompts and then you're ready to send or request money with Zelle®.

Download the Schwab Mobile app today.

  • Download the Schwab Mobile app today.

    Download on the Apple App Store   Get it on Google Play

    Don't have a Schwab Bank Investor Checking™ account? You can open an account right in the app.

FAQs

Zelle® is a fast and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.¹ With just an email address or U.S. mobile number, you can send money to people you trust, regardless of where they bank.¹

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.

You can send money to friends, family, and others you trust.¹

Since money is sent directly from your bank account to a trusted recipient's bank account, typically within minutes,¹ it's important to send money only to people you trust and to always ensure you've used the correct email address or U.S. mobile number.

When you enroll with Zelle® through the Schwab Mobile app,2 your name, the name of your financial institution (Charles Schwab Bank), and the email address or U.S. mobile number you enrolled with are shared with Zelle®.

When someone sends money to your Charles Schwab Bank–enrolled email address or U.S. mobile number, Zelle® looks up the email address or U.S. mobile number in its "directory" and notifies Charles Schwab Bank of the incoming payment. We then direct the payment into your Schwab Bank account, all while keeping your sensitive account details private.

If you don't know the person or aren't sure you will receive, for example, items bought from an online bidding or sales site, you should not use Zelle® for the transaction. 

These transactions are potentially high risk (in the same way that sending cash to a person you don't know is high risk). Neither Charles Schwab 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.

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