Zelle[[®]] is a fast, easy and free[[#1]] way to send money to friends and family

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and other people you trust.[[#2]]

Zelle[[®]] is available right from FHB Online & Mobile Banking so you don’t need to download anything new to start sending and receiving money!

How to start using Zelle® in FHB Online Banking or the FHB Mobile app:

  1. Go to Payments then select "Send Money with Zelle®"
  2. Select the U.S. mobile number or email address you want to use with Zelle®
    (If you are located in Guam or Saipan, or receive an error when using your mobile number, please enroll with an email address only)
  3. Select the checking account you want to send money from

That’s it! You’re ready to start sending and receiving money with Zelle®.


Send money directly from your account to theirs, typically in minutes[[#1]]


Send and receive money with Zelle[[®]] right from FHB Online or the FHB Mobile app[[#2]]


There are no fees to send money with Zelle[[®]] from our online or mobile banking app[[#3]]

Watch the videos to learn more about Zelle®!

Pay It Safe with Zelle®

Pay It Safe with Zelle® Video

Zelle® on Desktop

Zelle® for Desktop Video

Zelle® on Mobile

Zelle® for Mobile Video

Frequently Asked Questions

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

      To get started, log in to FHB Online or the FHB Mobile app and navigate to "Payments" then select "Send Money With Zelle®". To enroll, accept terms and conditions, tell us 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®. Customers located in Guam and Saipan should enroll with an email address, not a mobile phone number.

      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 in minutes.[[#2]]

      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."[[#4]]

      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®.

        You can send money to friends, family and others you trust.[[#2]]

        Since money is sent directly from your bank account to another person's bank account within minutes,[[#1]] 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.

          Your email address or U.S. mobile phone number can only be enrolled with Zelle® at one bank or credit union. If you would like to use Zelle® with First Hawaiian Bank, you will be given the option to switch your Zelle® enrollment over to FHB. If you choose this option, you will be able to send and receive money with Zelle® from your FHB checking account(s), and you will no longer be able to use Zelle® with your previous bank or credit union.


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            1. Transactions between enrolled users typically occur in minutes.
            2. U.S. bank account and U.S. mobile number are required. Personal customers enrolling for Zelle must be 18 years or older. Business customers must be enrolled in FHB Online Business Banking to use Zelle. See Terms and Conditions of FHB Online Services for details.
            3. Mobile network carrier fees may apply.
            4. Payment requests to persons not already enrolled with Zelle® must be sent to an email address.

            Copyright © 2023. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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