Zelle® is a fast, safe and easy way to send and receive money with others in minutes, between domestic bank accounts at U.S. financial institutions.
Please Note the following:
- Once a payment is initiated, money is deducted from the clients account immediately. If the recipient does not enroll within 14 days, the money is released back into the clients account.
- If a client initiates a Zelle payment greater than $300 in the first 24 hours after enrollment, the transaction will block. After 24 hours the client can attempt the transaction again.
If a client is not receiving text messages, advise them to text the word START to 1.833.691.7376.
Send Money
Payments made with Zelle® are debited from the account as soon as the Success confirmation is received. Zelle® payments made on weekends and holidays should be available immediately.
If a payment recipient is enrolled with Zelle®, send the money to either their U.S. mobile number or email address. Once you send money, both the sender and recipient are notified.
To send money with Zelle®, do the following:
- Open the CCB mobile banking app or Bank Online Services.
- From the menu, choose Move Money > Send Money with Zelle.
- Click Send Money.
- Enter recipient information.
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Note: In the CCB Mobile app, you can click on the person icon in the Recipient Name field to select from your contacts. You may be prompted to authorize the CCB Mobile app to access your contacts.
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Note: In the CCB Mobile app, you can click on the person icon in the Recipient Name field to select from your contacts. You may be prompted to authorize the CCB Mobile app to access your contacts.
- Enter the amount of the payment.
- Click Review.
- Verify all payment information and enter a note in the What's this for? section because it will be delivered with the notification of your payment to the recipient.
- Click Send.
- Note: Changes cannot be made to the payment details beyond this point, so carefully check the information before you choose Send.
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Zelle® sends a 6-digit verification code to the phone number or email on file to confirm the transaction.
- Enter the code and click Verify.
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Zelle® displays the following:
- Click Send.
- Payment confirmation screen displays and a notification is sent to the phone number or email for your account.
- Click Activity to view the transaction status.
Recipients are notified of your payment by the same method you choose to Zelle® the money – text message or e-mail.
Once a payment is initiated, money is deducted from the clients account immediately. If the recipient does not enroll within 14 days, the money is released back into the clients account.
DeleteRequest Money
To request money through Zelle®, do the following:
- Open the CCB mobile banking app or Bank Online Services.
- From the menu, choose Move Money > Send Money with Zelle® .
- Click Request Money.
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Enter recipient information.
- Note: In the CCB Mobile app, you can click on the person icon in the Recipient Name field to select from your contacts. You may be prompted to authorize the CCB Mobile app to access your contacts.
- Enter the amount being requested.
- Verify all payment information and enter a note in the What's this for? section because it will be delivered with the notification of your payment to the recipient.
- Click Request.
- Request sent confirmation page displays.
- Click All Done.
- Click Activity > Request to view the request status.
Activity
You can see incoming and outgoing Zelle® payments (for example: pending, completed and requested) on the Zelle® Activity page on the CCBMobile app or Online Banking at ccbg.com.
To view Zelle®, do the following:
- Open the CCB mobile banking app or Bank Online Services.
- From the menu, choose Move Money > Send Money with Zelle® .
- Click Activity.
- Click Payment to view pending and completed payment.
- Click Request to view payments requested.
Once a payment is initiated, money is deducted from the clients account immediately. If the recipient does not enroll within 14 days, the money is released back into the clients account.
DeleteReceiving Payments
For recipients who ARE enrolled in Zelle® a notification is sent, either by e-mail or text message, indicating Jane Doe sent you some money. The funds are deposited automatically.
For recipients who are NOT yet enrolled in Zelle® a notification is sent, either by e-mail or text message, and the recipient has 14 days to enroll and accept your payment before the funds are returned to you. Please note that only U.S. mobile numbers are eligible. Voice Over IP (VOIP), landlines and Google voice numbers are not eligible for Zelle® enrollment. E-mail and text notifications each provide details of the sender, amount and reason for the payment.
If a client is not receiving text messages, advise them to text the word START to 1.833.691.7376.
Should a payment expire, the recipient and sender receive notification that the payment was not accepted in the allotted timeframe and was returned to sender. Returned Zelle® payments are credited back to your account typically within 1 to 2 business days.
DeleteCancel Payment
Advise clients to be extra careful before sending money with Zelle®. A payment can ONLY be cancelled when a recipient has not yet enrolled in Zelle® .
To view the status of a payment, do the following:
- Open the CCB mobile banking app or Bank Online Services.
- From the menu, choose Move Money > Send Money with Zelle® .
- Click Activity > Payment.
- If a payment is in a Pending status, indicating Recipient must enroll, you can click Cancel.
Once a payment is initiated, money is deducted from the clients account immediately. If the recipient does not enroll within 14 days, the money is released back into the clients account.
DeletePayment Limits
For the security or our clients, we set daily limits for Zelle® transactions to the following:
| Timeframe | Dollar Amount | # of Transactions |
|---|---|---|
| Day | $3,000 | 10 |
| Week | $6,000 | 30 |
| Month | $12,000 | 60 |
For NEW ACCOUNTS - 30 days or less
| Timeframe | Dollar Amount | # of Transactions |
|---|---|---|
| Day | $500 | 10 |
| Week | $1,000 | 30 |
| Month | $4,000 | 60 |
- Exceed Payment Limit: Cannot Send. You've exceeded your amount limit.
- Exceeded Velocity Limit: Cannot Send. You've exceeded your payments limit.
Zelle Payment FAQs
Who can I send money to with Zelle?
You can pay almost anyone with Zelle®, even if the recipient does not have an account with Capital City Bank. All it takes is a valid e-mail address or mobile phone number for the person you wish to pay with Zelle®. The recipient is notified by either e-mail or text that they have money from you to accept.
It's important to only send money to trusted people and always ensure the correct email or U.S. mobile number is entered.
DeleteCan I set up a recurring payment through Zelle?
No, the recurring-payment feature is not currently available.
DeleteCan I send money with Zelle to someone who is not a CCB account holder?
Yes.
If the recipient is not enrolled in Zelle® yet, they receive a notification explaining how to receive the money simply and quickly. Non-clients can download the Zelle® mobile app or enroll in Zelle® through their bank (if available) to accept your payment.
Can Zelle be used to pay a small business?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your CCBMobile App using just their e-mail address or U.S. mobile number.
Neither Capital City Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct e-mail address or U.S. mobile number when sending money.
DeleteHow quickly does money get sent with Zelle?
If the recipient is enrolled with Zelle®, money is typically available within minutes.
If the recipient isn’t enrolled, they will need to enroll to receive their money. Once enrolled, the money moves to the recipient’s account and is typically available within minutes.
Note: Once a payment is initiated, money is deducted from the clients account immediately. If your recipient does not enroll within 14 days of when the money is sent, the money is released back to your account, and the transaction is cancelled.
DeleteHow do I add a new email or U.S. mobile number to my Zelle account?
To add a new email or U.S mobile number, do the following:
- Open the CCB mobile banking app or Bank Online Services.
- From the menu, choose Move Money > Send Money with Zelle® .
- Click Zelle Settings.
- The Zelle Settings screen displays.
- Click + Add a new email or U.S. mobile number to proceed.
Does a Zelle payment expire?
Zelle® payments to a recipient who needs to enroll in Zelle® have 14 days to enroll and accept the payment before the funds are returned to the sender.
Should a payment expire, the recipient and and sender receive notification that the payment was not accepted in the allotted timeframe and was returned to sender. Returned Zelle® payments are credited back to your account typically within 1 to 2 business days.
DeleteHow do I add a new recipient so I can send them money through Zelle (or they can send me money)?
Once you send or request money to or from someone new, they’ll be added to your Recent Recipients list so you can easily send/receive in the future using our Mobile Banking app or Online Banking.
To add a new recipient, click 
and enter the new recipient information. 
When making a Zelle payment in the CCB Mobile App, why would I be asked to allow the app to access contacts on my mobile device?
Depending on the type of mobile device, clients may be prompted to authorize the CCB Mobile App to access your contacts if you click the person icon in the recipient Name filed when making a payment.
Approving access allows clients to select both a name and contact method (email or mobile number) from contacts, possibly avoiding typing errors when making payments.
DeleteWhat happens if the contact information I enter for my recipient is wrong?
If you send money to a U.S. mobile number or email address that differs from the contact information of your intended recipient, check the Pending section of your Zelle® Activity. If the status of your payment is PENDING, you can cancel it.
To view the status of a payment, do the following:
- Open the CCB mobile banking app or Bank Online Services.
- From the menu, choose Move Money > Send Money with Zelle® .
- Click Activity > Payment.
- If a payment is in a Pending status, indicating Recipient must enroll, you can click Cancel.
How do I know money was sent to me?
Enrolled with Zelle®:
- In addition to receiving an email or text from Capital City Bank alerting you that you’ve received money, you can view incoming and outgoing Zelle® payments in your Zelle® Activity.
Not enrolled with Zelle® :
- You’ll receive an email or text from Zelle® with instructions on how to enroll to receive your money.
How does a Zelle payment appear in online banking service or on statements?
All Zelle® transactions (payments sent and accepted) should include the phrases “CapitCtyBankZelle®” and “Tallahassee FL”. In most instances, payments sent will be described as “POS Debit Pri CapitCtyBankZelle® LOC: Tallahassee FL”.
DeleteHow does the recipient accept payments from Zelle?
For recipients who are NOT yet enrolled in Zelle® a notification is sent, either by e-mail or text message, and the recipient has 14 days to enroll and accept your payment before the funds are returned to you. E-mail and text notifications each provide details of the sender, amount and reason for the payment.
For recipients who ARE enrolled in Zelle® a notification is sent, either by e-mail or text message, indicating Jane Doe sent you some money. The funds are deposited automatically.
Should a payment expire, the recipient and and sender receive notification that the payment was not accepted in the allotted timeframe and was returned to sender. Returned Zelle® payments are credited back to your account typically within 1 to 2 business days.
DeleteWhat do I do if my recipient didn't receive the funds I sent with Zelle?
First, check the status of your payment. You can see incoming and outgoing Zelle® payments (both pending and completed) in the CCBMobile app or Online Banking at ccbg.com.
If the payment status is PENDING, make sure the recipient enrolls with Zelle® using the email address or U.S. mobile number to which you sent money. Once they enroll, money moves directly to their account.
If the payment status is PAID, verify that the U.S. mobile number or email address you used to send money to your recipient matches the U.S. mobile number or email address associated with your recipient’s Zelle® enrollment.
Note: In some cases, payments may also be delayed for client protection -- for example if Zelle® or Capital City Bank suspect that fraudulent activity is taking place.
If payment is still not received, Complete a Dispute in Centrix.
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