Use Zelle Today

Zelle is a great payment option for you
and your customers1

Did you know you can now use Zelle to accept customers’ payments for your small business? With Zelle, money is delivered directly to your bank account and typically arrives within minutes.2
Simply provide your U.S. mobile phone number or email address to your customer so they can pay you.

Using Zelle is:

Payments arrive
typically within
minutes.2

Money is sent right
to your bank account.3
No need to carry cash.

Request payment
from your customer
on the spot.

Use Zelle Today

Zelle F.A.Q.

Zelle is a fast, safe and easy way for small businesses to send, request and receive money directly between eligible bank accounts in the U.S.3 If your customers use Zelle within their mobile banking app, they can send payments directly to your Amerant bank account with just your email address or U.S. mobile phone number. With Zelle, payments typically arrive within minutes.2
You can send, request or receive money with Zelle. To get started, log in to Amerant Online Banking or Amerant Mobile and select “Send Money With Zelle®”. Accept the Terms & Conditions, select or enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle.
When you use Zelle with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle to small businesses. You can also send to consumers who have access to Zelle through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers who are only enrolled in the Zelle app. If the small business or consumer you send money to has already enrolled with Zelle through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. 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.
You can receive payments from consumers using Zelle through their bank’s mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle to small businesses. At this time, you’re not able to receive payments from consumers that are only enrolled in the Zelle app.
Once you’re enrolled with Zelle, money you receive is typically available within minutes.2
First, you should enroll your email address or U.S. mobile number with Zelle through the Amerant Mobile app and associate it with your small business account. Second, share your enrolled email address or U.S. mobile phone number with your customers and ask them to send you payment with Zelle right from their banking app. You don’t need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile phone number to identify you. After the consumer sends you payment with Zelle, you will receive your money directly into your enrolled bank account.

You can also request payments directly through your mobile banking app by clicking “Send Money With Zelle®,” selecting “Request,” entering your customer’s email address or U.S. mobile number and confirming the recipient is correct (make sure you've entered the correct email address or U.S. mobile number of the person or business you want to request payment from)4 and tapping “Request”.

If your customer is using Zelle through their bank’s mobile app, they’ll be able to pay you with Zelle. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle app, they will not be able to send you money with Zelle, and you should arrange for a different payment method.
There are a few ways you can encourage your customers to pay you with Zelle.
  • Tell customers verbally that you accept payments with Zelle, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding “I accept payments with Zelle®.”
  • Use Zelle to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle).4
  • Add pre-approved Zelle content to your business website, which can be found at https://www.zellepay.com/smallbusiness-toolkit.
Please note, you’ll only be able to receive payments from consumers using Zelle through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle app.
To request money with Zelle, select “Send Money With Zelle®” in your Amerant Mobile app, choose “Request”, select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.4
Neither Amerant 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.
Yes, there is a fee per incoming and outgoing Zelle transactions. These transactions will be charged as a monthly total and will reflect on your statement as a separate fee for incoming and outgoing payments. Currently the fee for these transactions is $2.00 however, please review our Miscellaneous Service Fee Schedule for the latest charges and more information. To review your transaction history, log into your Amerant Online Banking or Amerant Mobile and click the Send Money with Zelle® menu then select Activity.
Whether you use Zelle with a business account or a consumer account, Zelle uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle through their mobile banking app don’t need to do anything different to send money to a small business – they use the existing Zelle experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for small businesses,3 as small businesses cannot currently receive payments from consumers who are only enrolled in the Zelle app.
As a current Zelle user, once you log in and accept new Terms of Service, any of your email addresses or U.S. mobile numbers associated with a business account will be recognized as businesses in Zelle. There’s no need to re-enroll or take additional action to continue using Zelle. Your current activity, pending payments and recurring payments will not be affected.
To get started, log in to Amerant Online Banking or Amerant Mobile. To enroll a small business bank account with Zelle, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle. For example, email@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
No, Zelle does not integrate directly with accounting software at this time. However, since Zelle is connected to your bank account, you are able to see all Zelle transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle transactions.
If you have access to view your business accounts through Amerant Online Banking or Amerant Mobile, your business is eligible to use Zelle. Companies that only access their accounts through Amerant TreasuryConnect are not eligible for the service.
You can only cancel a payment if the small business or consumer 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 send money to a small business or consumer that has already enrolled with Zelle through their bank’s mobile app, 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 money.

If you try to send money to a consumer who is only enrolled in the Zelle app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle does not currently support sending money to enrolled users in the Zelle app.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 1-866-806-8125 so we can help you.
There are no limits to the amount of money you can receive. For your security, we restrict the number of transactions and dollar amount you can send to recipients in any 24-hour and 30-day (rolling) period. However, keep in mind that others sending you money will most likely have limits from their financial institution as to the amounts they can send. For more information on Amerant’s Zelle transaction limits, please log into your Amerant Online Banking or the Amerant Mobile app and access the Transfers and Payments section. Keep in mind, these transfer limits are for your combined accounts and certain account types may have a limit per statement cycle. For more information on Business Checking and Savings accounts, please click here.