Zelle[[®]] is a fast, safe 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 phone number, you can send money to people you trust, regardless of where they bank[[#2]].

You can send, request, or receive money with Zelle[[®]].

• To get started, log into First Hawaiian Bank’s online banking or the FHB mobile app, navigate to “Payments” then "Send Money with Zelle[[®]]". To Enroll, accept the terms and conditions, provide your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle[[®]].
• To send money using Zelle[[®]], simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient within minutes[[#1]].
• 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"[[#3]].
• 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 to your bank account and will be available typically within minutes[[#1]].

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 Hawaiian 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 notification - you should enroll with Zelle[[®]] using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

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[[#2]].

Since money is sent directly from your bank account to another person's bank account within minutes[[#1]], Zelle[[®]] should only be used to send money to friends, family and others you trust.

Neither First Hawaiian 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.

It's easy — Zelle[[®]] is already available within First Hawaiian Bank’s online banking and mobile banking app. Download the FHB Mobile app or sign-in online and follow a few simple steps to enroll with Zelle[[®]] today.

No, First Hawaiian Bank does not charge any fees to use Zelle^® in the FHB Mobile app for personal customers.

Business customers must be enrolled for FHB Online Business Banking to use Zelle^® with a small business checking account. FHB Online Business Banking is FREE for Priority Banking customers and $5.99 for all other customers. FHB Online Business Banking includes online banking, mobile banking, online Bill Pay, Zelle^® and Entitlements. See FHB Online Terms & Conditions for details.

Your mobile carrier’s messaging and data rates may apply.

You can find a full list of participating banks and credit unions live with Zelle[[®]] here.

If your recipient's financial institution 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.

When you enroll with Zelle[[®]] through your online banking account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle[[®]] (no sensitive account details are shared – those stay with First Hawaiian 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 Hawaiian Bank of the incoming payment. First Hawaiian Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

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

You can only cancel a payment if the person 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 the person you sent money to has already enrolled with Zelle[[®]], 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 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 customer service at (888) 643-4343 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by First Hawaiian Bank but are a separate service from Zelle® and can take 1 – 3 business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Money sent with Zelle[[®]] is typically available to an enrolled recipient within minutes[[#1]].

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 available in your recipient's account, typically within minutes[[#1]].

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.

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 contact customer services at (888) 643-4343.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for First Hawaiian 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.

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 First Hawaiian 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle[[®]] at another bank or credit union. Call our customer service team at (888) 643-4343 and ask them to move your email address or U.S. mobile phone number to First Hawaiian 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 Hawaiian Bank account so you can start sending and receiving money with Zelle[[®]] through the First Hawaiian Bank mobile banking app and online banking. Please call First Hawaiian Bank’s customer support toll-free at (888) 643-4343 for help.

Zelle[[®]] is a fast and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U.S.[[#4]] If your customers use Zelle[[®]] within their mobile banking app, they can send payments directly to your First Hawaiian Bank checking account with just your email address or U.S. mobile number. With Zelle® payments typically arrive within minutes[[#1]] .

You can send, request, or receive money with Zelle[[®]]. To get started log into FHB Online Banking or the FHB Mobile app, go to “Payments” and select “Send Money with Zelle[[®]]”. Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle[[®]].

When you use Zelle[[®]] with a business checking account, you can send money to other small businesses with an eligible account at a financial institution that offers Zelle[[®]] to small businesses. You can also send money to consumers that have access to Zelle[[®]] through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are only enrolled in the Zelle[[®]] app[[#5]].

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 the transaction 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[[#5]].

Once you’re enrolled with Zelle[[®]] the money you receive is typically available within minutes.

First, you should enroll your email address or U.S. mobile number with Zelle[[®]] through your mobile banking app and associate it with your business checking account. Second, share your enrolled email address or U.S. mobile 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 number to identify you. After the consumer sends you payment with Zelle[[®]], you will receive your money directly into your enrolled checking account.

You can also request payments directly through the FHB Mobile app by clicking on “Payments” then “Send Money with Zelle[[®]]”. Select “Request,” entering your customer’s email address or U.S. mobile number, 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) 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[[#5]], 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[[®]]” or “Pay me with Zelle[[®]]”.
• Use Zelle[[®]] to request money[[#3]] from your customers (which will send them a notification telling them you’ve requested payment with Zelle[[®]]).
• Add pre-approved Zelle[[®]] content to your business website:
  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[[®]], login to FHB Online or the FHB Mobile app and go to “Payments” then select “Send Money with Zelle[[®]]”. 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”.[[#3]]

Neither First Hawaiian 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.

You must be enrolled for FHB Online Business Banking to use Zelle[[®]] with a small business account. FHB Online Business Banking is FREE for Priority Banking customers and $5.99 for all other customers. FHB Online Business Banking includes online banking, mobile banking, online Bill Pay, Zelle[[®]] and Entitlements. See FHB Online Terms & Conditions for details.

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[[#4]], as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle[[®]] app.

You must be enrolled for FHB Online Business Banking to use Zelle[[®]] with a business checking account. FHB Online Business Banking is FREE for Priority Banking customers and $5.99 for all other customers. FHB Online Business Banking includes online banking, mobile banking, online Bill Pay, Zelle[[®]] and Entitlements. See FHB Online Terms & Conditions for details.

You must be enrolled for FHB Online Business Banking to use Zelle[[®]] with a business checking account. FHB Online Business Banking is FREE for Priority Banking customers and $5.99 for all other customers. FHB Online Business Banking includes online banking, mobile banking, online Bill Pay, Zelle[[®]] and Entitlements. Please review the updated terms and conditions that were provided by First Hawaiian Bank.

To get started, log into FHB Online or the FHB Mobile app. If both your personal and business accounts are available in your FHB Online profile, you can select the appropriate checking account when sending a payment.

If you have a separate login for your personal and business accounts or are enrolled with Zelle[[®]] at another financial institution, 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, aloha@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business 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.

You must be enrolled for FHB Online Business Banking to use Zelle[[®]] with a business checking account. FHB Online Business Banking is FREE for Priority Banking customers and $5.99 for all other customers. FHB Online Business Banking includes online banking, mobile banking, online Bill Pay, Zelle[[®]] and Entitlements.

Please contact us at (888) 643-4343 for assistance.

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 or credit union’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 enrolled in the Zelle[[®]] app[[#5]], 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 users enrolled in the Zelle[[®]] app.

If you sent money to the wrong person, please contact us immediately at (888) 643-4343 for assistance.

Yes, for security reasons we limit the amount of money you can send through Zelle[[®]]. You can view your daily and monthly (30-day period) Zelle[[®]] send limits by logging in to FHB Online or the FHB Mobile app. Once in Zelle[[®]], select a contact that you want to send money to then click on the question mark next to “Limits”. We may change these limits at our sole discretion.

Yes, for security reasons we limit the amount of money you can send through Zelle[[®]]. You can view your daily and monthly (30-day period) Zelle[[®]] send limits by logging in to FHB Online or the FHB Mobile app. Once in Zelle[[®]], select a contact that you want to send money to then click on the question mark next to “Limits”. We may change these limits at our sole discretion.