Send Money with Zelle: Fast, Safe and Easy

A fast, safe and easy way to send money to friends and family.

Send money to friends and family

Zelle^® makes sending and requesting money fast, safe and easy. Send money to friends and family directly from your TIAA Bank checking, savings or money market account. Start using Zelle through TIAA Bank online banking or with the TIAA mobile app today.

Fast — Send money to friends and family in minutes
Safe — Use Zelle within the secure TIAA mobile app and online banking
Easy — You can send money to, or receive money from, almost anyone you know and trust with a bank account in the U.S.

How to use Zelle

Open Zelle through TIAA Bank online banking or the TIAA mobile app
Choose payment
Select recipients
Add a memo and send

Get started

Start using Zelle today

Log in to TIAA Bank online banking and enroll with Zelle or use the TIAA mobile app. If you don’t have the mobile app on your phone, download it now.

Support Center

Answers to the most common questions

Zelle is a fast, safe and easy way to send and receive money. Send money to friends, family or trusted contacts directly from your TIAA mobile app or via your TIAA Bank online banking account using a browser.

Keeping your money and information safe is a top priority for TIAA Bank. When you use Zelle within the TIAA mobile app or with TIAA Bank online banking, your information is protected with the same technology we use to keep your bank account safe.

No. Zelle is a free and secure way for TIAA Bank clients to send and receive money. However, mobile network carrier fees may apply.

Getting started with Zelle is easy and can be done in a few minutes. You can enroll through your TIAA Bank online banking account using a browser or through the TIAA mobile app.

1) To get started using a browser, log in to your TIAA Bank online banking account, select your bank account, and you’ll see Zelle in the black menu bar.

2) To get started using the TIAA mobile app, log in to your TIAA Bank account, and you’ll find Zelle under the Actions tab.

To complete your enrollment, simply follow the prompts to confirm the U.S. mobile phone number and email address tied to your TIAA Bank account. After that, you’ll be ready to start sending and receiving money.

Yes. Zelle is a fast, safe and easy way to send money from your TIAA Bank account to trusted contacts regardless of their banking institution. However, your recipient will need to make sure they are enrolled in Zelle to be able to receive the money.

No. Zelle is offered directly within the TIAA mobile app. Once you log in to the app and enroll with Zelle, you’ll be able to start sending and receiving money.

To download the TIAA mobile app on your device, go to the App Store or visit Google Play and search “TIAA mobile.”

During the enrollment process, Zelle will be able to recognize that your email address or U.S. mobile phone number is being used somewhere else. When that happens Zelle will ask if you’d like to transfer your Zelle enrollment over to TIAA Bank.

You can send money to friends, family and people you know. We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.

Since money is sent directly from your bank account to another person’s bank account within minutes, 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. Zelle should only be used to send money to friends, family or 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 for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). 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.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle, so you should always confirm your recipient’s U.S. mobile phone number and email address before sending.

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

If the recipient is already enrolled with Zelle, the payment cannot be canceled. If the recipient is not yet enrolled, the money will remain “unclaimed” until the recipient enrolls. After 14 days, if the recipient has not enrolled to receive the money, the payment will be canceled and the money will be returned to the original account.

Yes. You can send money to someone who hasn’t enrolled with Zelle. Just send money using their email address or U.S. mobile phone number and they’ll get a notification that money is waiting for them. They will need to first enroll in Zelle. The initial payment will be received after enrollment, and future payments will typically be received in minutes.

With Zelle, you can make payments quickly from bank account to bank account. There are no digital wallets to transfer money to or from, or claim codes to keep track of.