Top
Member FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Online Banking
Online Banking

Personal Online Banking with Bill Pay.

Online Banking

Zelle® is now available to The Geo. D. Warthen Bank clients through the Personal Mobile Banking app.

Zelle® is a fast, safe and easy way to send, request or receive money. With just an email address or U.S. mobile phone number, you can send money directly between almost any bank account in the U.S. to people you know and trust, typically within minutes1.

Zelle®. This is how money moves.®

Enroll Today!

To get started, download and open The Geo. D. Warthen Bank’s Personal Mobile Banking app. Locate the “+” menu button at the bottom of the screen and tap the Zelle® icon. From there, follow the instructions on your mobile device. You will be asked to enter or confirm your email address and U.S. mobile phone number, link a deposit account and verify your enrolled email address and U.S. mobile phone number.

Send & Receive Money

  • To send money using Zelle®, simply select a recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional memo, review, then hit “Send.” In most cases, the money is available in minutes1.
  • To request money using Zelle®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount, include an optional memo, review and hit “Request”3.
  • To receive money, just share your enrolled email address or U.S. mobile phone number with friends and ask them to send you money with Zelle®.

It's Important to Note:

It’s important to note, 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. Neither Zelle® nor The Geo. D. Warthen Bank is responsible for any errors that you make while entering a recipient’s email address or U.S. mobile number. Neither Zelle® nor The Geo. D. Warthen Bank 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. For your protection, the total amount of money The Geo. D. Warthen Bank allows you to send each day with Zelle® is $500 and limited to $250 per transaction. For questions about limits, give us a call or stop by our office.



 

Zelle® Frequently Asked Questions

1. What is Zelle®?

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 trust, regardless of where they bank2.

2. Who can I send money to with Zelle®?

You can send money to friends, family and others you trust2.

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.

3. How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into The Geo. D. Warthen Bank online banking or 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 ready to start sending and receiving with Zelle®.

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 note, 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”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®.

4. Someone sent me money with Zelle®, how do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

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 The Geo. D. Warthen 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 to ensure you receive your money.

5. What types of payments can I make with Zelle®?

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

Neither Zelle nor The Geo. D. Warthen Bank 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.

6. Are there any fees to send money using Zelle®?

The Geo. D. Warthen Bank does not charge any fees to use Zelle®4.

7. How do I get started?

It’s easy — Zelle® is already available within The Geo. D. Warthen Bank mobile banking app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

8. What if I want to send money to someone whose bank doesn’t offer Zelle®?

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

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.

9. How does Zelle® work?

When you enroll with Zelle® through the The Geo. D. Warthen 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 The Geo. D. Warthen 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 The Geo. D. Warthen Bank of the incoming payment. The Geo. D. Warthen Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

10. Can I use Zelle® internationally?

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

11. Can I cancel a payment?

You understand that when you send a payment, you will have no ability to stop it.

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 us at 478-552-6901 so we can help you.

12. How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes1.

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 move directly to your recipient’s account, typically within minutes1.

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 give the The Geo. D. Warthen Bank customer support team a call toll-free at 800-335-1354 or get in touch through our support page.

13. Will the person I send money to be notified?

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

14. Is my information secure?

Keeping your money and information safe is a top priority for The Geo. D. Warthen 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.

15. I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

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 Zelle® nor The Geo. D. Warthen Bank offers 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.

16. What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to The Geo. D. Warthen 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 The Geo. D. Warthen Bank account so you can start sending and receiving money with Zelle® through the The Geo. D. Warthen Bank mobile banking app and online banking. Please call The Geo. D. Warthen Bank customer support toll-free at 800-335-1354 for help.

1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

2Must have a bank account in the U.S. to use Zelle®.

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle®.

4Mobile carrier fees may apply.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.