Nuvision has partnered with Zelle®
Zelle® allows you to send money to people you know who have a U.S.-based bank account, and the money is received typically in minutes when the recipient is already enrolled.
Please stay tuned for additional updates on Zelle® as we launch Zelle® in our app and online banking experiences!
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FREQUENTLY ASKED QUESTIONS
Below is a list of categories with specific questions and answers tailored to each aspect of Zelle®.
Q: What is Zelle®?
A: Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people
you trust, regardless of where they bank1.
Q: How do I use Zelle®?
A: You can send, request, or receive money with Zelle®. To get started, log into Nuvision's online banking and/or mobile app and select Zelle® in your app. Enter your email address or U.S. mobile phone 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 phone 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 phone number.
To receive money, just share your enrolled email address or U.S. mobile phone 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 Nuvision account, typically within minutes. 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 Nuvision.
c. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone 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.
Q: Are there any fees to send money using Zelle®?
A: No, Nuvision does not charge any fees to use Zelle® in the Nuvision app or online banking.
Q: How long does it take to receive money with Zelle®?
A: Money sent with Zelle® is typically available to an enrolled recipient within minutes or one to three days. If it has been more than three days, we recommend confirming that you have fully enrolled your Zelle® profile, and that you entered the correct email address or U.S. mobile number and provided this to the sender.
Q: Can I use Zelle® internationally?
A: In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Q: Can I cancel a payment?
A: You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. You can go to your activity page within the Zelle® experience, either within your mobile banking app or desktop, choose the payment you want to cancel, and then select “Cancel This Payment.” If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s 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 money. If you sent money to the wrong person, please immediately call our customer support team at 800-444-6327 so we can help you.
Q:What if I get an error message when I try to enroll an email address or U.S. mobile number?
A: Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Nuvision so you can use it for Zelle®. Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Nuvision account so you can start sending and receiving money with Zelle® through the Nuvision mobile app. Please call Nuvision customer support toll-free at 800-444-6327 for help.
Q: Can I access Zelle® to send or receive money without a smartphone?
A: You can use Nuvision's online banking site to send and receive money without a mobile device.
Q: Who can I contact if a payment is not received as scheduled?
A: Please reach out to the Contact Center at 800.444.6327
Q: Is my information secure?
A: Keeping your money and information safe is a top priority for Nuvision. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Nuvision account safe.
Q: Can I pay a small business with Zelle®?
A: At the moment, Nuvision allows person-to-person transfer.
Q:Are there any limits for sending and receiving money with Zelle®?
A: At the moment, Nuvision allows a maximum of $2,000 per 30-day rolling period.
Q:What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
A: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.
Q: Does Zelle® report how much money I receive to the IRS?
A: Zelle® does not report transactions made on the Zelle Network® to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®. For more details on IRS transactions, please click here.
Q: I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
A: Zelle® is a great way to send money to friends, family or others you trust such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions, which are potentially high risk.
Neither Nuvision or Zelle® does not offer a protection program for any authorized payments made with Zelle® - for example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described
or as you expected.
Q: Who can I send money to with Zelle®?
A: 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 Nuvision 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 Nuvision or 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.
Q: What does the purple “Z” on my contacts mean?
A: Knowing your friends, family and those you trust are enrolled with Zelle® is simple, we’ve tagged your contacts that are already using Zelle® with a purple “Z”. Don’t see the purple “Z”
on a contact? You can still send them money with Zelle®, they’ll just need to enroll with Zelle® to receive the money.
Q: Someone sent me money with Zelle®, how do I receive it?
A: If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account associated with your profile, typically within minutes1.
If you have not yet enrolled with Zelle®, follow these simple steps:
- Click on the link provided in the payment notification.
- Select Nuvision Credit Union.
- Follow the instructions provided on the page to enroll and receive your payment.
Q: What if the person I’m sending money to hasn’t enrolled with Zelle®?
A: If the person you’re sending money to hasn’t enrolled yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled.
Once they’ve enrolled with Zelle® , they’ll receive the money directly into the bank account they have associated with their profile. If the recipient doesn’t enroll Zelle® within 14 days, the payment will expire, and
the funds will be returned to your account.
Q: Is there a limit to how much money I can send?
A: Please contact us directly to learn more about sending limits using Zelle®.
Q: I sent money to someone and they never received it. What should I do?
A:If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
Still having trouble? Please give the Nuvision customer support team a call toll-free at 800-444-6327 or get in touch through our support page.
Q: For Apple users, how do I manually update the app so I can see the Zelle® update?
A: Please follow the directions listed below:
- Open the App Store
- In the search bar, enter Nuvision and tap Search on the keyboard.
- Tap Update next to the Nuvision app.
OR
- Open the App Store
- Tap your profile icon at the top of the screen.
- Tap Update next to an app to update only that app, or tap Update All
Q: What's the minimum age for members to use Zelle®?
A: Members need to be 18 and older to use Zelle®.
Q: What happens when a member wants to switch to a different financial institution to use
Zelle®?
A: When a member wants to use a different financial institution for any Zelle® transactions, they are prompted within the Nuvision online banking app to ask if they want to transfer to a different financial institution. If the member selects "yes," then they are able to use the same Zelle® ID.
Q: Can members use their savings account to transfer money using Zelle®?
A: At this time, members can only send money through Zelle® using their checking accounts. However, members are able to receive money through Zelle® to their checking or savings account.
* 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.
