Zelle FAQs

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

Zelle is currently only available for personal accounts and digital banking profiles. Not available for Small Business Digital Banking.

Please note that First Horizon clients enrolled in Zelle will not be able to send money through the online banking feature starting December 5, 2024, until further notice. We understand this is an inconvenience and appreciate your patience as we enhance our systems.

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You can request or receive money with Zelle. Select Get Started to review and accept the Zelle Terms of Service. Select your email address or U.S. phone number on your profile. If the email address or U.S. phone number has not been verified through Digital and Mobile Banking before, you will be required to receive and enter a one-time verification code. Next, select which account you would like to use with Zelle. You are now ready to start receiving money through Zelle. 

To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit "Request."

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.

Zelle is currently only available for personal accounts and digital banking profiles. Not available for Small Business Digital Banking.

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If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes^**.

If you have not yet enrolled with Zelle, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select First Horizon Bank.
3. 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.

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First Horizon Bank does not charge any fees to use Zelle^****.

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It’s easy — Zelle is already available within First Horizon Bank’s Personal Digital and Mobile Banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle today.

Zelle is currently only available for personal accounts and digital banking profiles. Not available for Small Business Digital Banking.

Please note that First Horizon clients enrolled in Zelle will not be able to send money through the online banking feature starting December 5, 2024, until further notice. We understand this is an inconvenience and appreciate your patience as we enhance our systems.

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When you enroll with Zelle through First Horizon Bank’s Personal Digital and Mobile Banking, your name, the name of your bank, and the email address or U.S. mobile number you enrolled are shared with Zelle (no sensitive account details are shared – those stay with First Horizon Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its directory and notifies First Horizon Bank of the incoming payment. First Horizon Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

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In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

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Money sent with Zelle is typically available to an enrolled recipient within minutes^**. 

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give First Horizon Bank’s Customer Service a call toll-free at 800-382-5465.

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

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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). Neither Zelle nor First Horizon Bank 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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Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call Customer Service and ask them to move your email address or U.S. mobile phone number to First Horizon Bank 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 First Horizon Bank account so you can start sending and receiving money with Zelle through First Horizon Bank’s Digital and Mobile Banking. Please call First Horizon Bank’s Customer Service toll-free at 800-382-5465 for help.

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