MENU
Q. What is Zelle®?
A. Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank2. Ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly.
Q. Who can I send money to with Zelle®?
A. You can send money to friends, family and people you know2. We recommend you ask people to enroll with Zelle® before you send them money – this will help them get your payment more quickly. Since money is sent directly from your bank account to another person’s bank account within minutes1, 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. Zelle® should only be used to send money to friends, family or others you trust.
Q. How do I use Zelle®?
A. You can send, request, or receive money with Zelle®. To get started, log into GorhamSavings Bank’s mobile app and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re finished.
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional memo, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
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”.2
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®.
2 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
Q. Someone sent me money with Zelle®, how do I receive it?
A. If you have already enrolled with Zelle®, you do not need to take any further action. Themoney will be sent directly into your bank account, typically within minutes1. If you have not yet enrolled with Zelle®, follow these steps:
1. Select Zelle® in the GSB Mobile App (click the plus symbol in the main navigation)
2. Verify the U.S. mobile phone number or email address
3. The funds money will be received to your default account and be available typically withinminutes1.
Q. What types of payments can I make with Zelle®?
A. Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1. Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle® should not be used to send money to people you don’t know or trust. Neither Gorham Savings 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.
Q. Are there any fees to send money using Zelle®?
A. Gorham Savings Bank does not charge any fees to use Zelle®.
Q. How do I get started?
A. It’s easy — Zelle® is already available in the Gorham Savings Bank’s mobile banking app!Log in to the app and follow a few simple steps to enroll with Zelle® today. We recommend you enroll before someone sends you money – this will help you get your first payment faster. You can find a full list of participating banks and credit unions live with Zelle® by visiting https://www.Zellepay.com/get-started.
If your recipient’s bank 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.
Q. How does Zelle® work?
A. When you enroll with Zelle® through the Gorham Savings Bank 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 Gorham Savings 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 Gorham Savings Bank of the incoming payment. Gorham Savings Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
Q. Can I use Zelle® internationally?
A. In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.
Q. Can I cancel a payment?
A. 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.
Q. How long does it take to receive money with Zelle®?
A. Money sent with Zelle® is typically available to an enrolled person within minutes1. Ask your friends and family to enroll with Zelle® before you send them money – this will help them get your payment more quickly.
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 sent directly into your recipient’s account.
If your payment has been pending and has not sent, 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 give the Gorham Savings Bank customer support team a call at (207) 839-4796 or get in touch through our customer service page.
Q. Will the person I send money to be notified?
A. Yes! They will receive a notification via email or text message.
Q. Is my information secure?
A. Keeping your money and information safe is a top priority for Gorham Savings Bank. When you use Zelle® in the GSB mobile app, your information is protected with the same technology we use to keep your bank account safe.
Q. I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
A. 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 Gorham Savings 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.
Q. What if I get an error message when I try to enroll an email address or U.S. mobile number?
A. 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 Center and ask them to move your email address or U.S. mobile phone number to Gorham Savings Bank so you can use it for Zelle®. Once we move your email address or U.S. mobile phone number, it will be connected to your Gorham Savings Bank account, so you can start sending and receiving money with Zelle®. Please call our Customer Service Center (207) 839-4796 for assistance.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not have fees.
2 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.