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.

There are a few ways you can encourage your customers to pay you with Zelle[[®]].

You can request payments directly through Zelle^®[[#2]] on the FHB Mobile App by clicking on “Transfers & 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 selecting “request”.

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.

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

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]].

When you use Zelle^® with a business checking account[[#2]], 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.

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[[®]].

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]] .