We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.
Using your email address or U.S. mobile number, log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the “Send Money With Zelle®” tab.
Log in to Bill Pay
Select “Send Money With Zelle®”
Accept Terms and Conditions
Select your U.S. mobile number or email address and deposit account
Make sure your recipient’s name, U.S. mobile phone number and email address are correct before sending money.
If a payment situation feels off, it probably is. Trust your gut and investigate.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.
If you have not yet enrolled with Zelle®, follow these steps:
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our support team 17168968084 and ask them to move your email address or U.S. mobile phone number to CrossRoads Community FCU so you can use it for Zelle®.
Once support moves your email address or U.S. mobile phone number, it will be connected to your CrossRoads Community FCU account so you can start sending and receiving money with Zelle® through the CrossRoads Community FCU mobile banking app and online banking. Please call CrossRoads Community FCU’s support toll-free at 17168968084 for help.
Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹
Since money is sent directly from your bank account to another person’s bank account within minutes, 1 Zelle® should only be used to send money to friends, family and others you trust.
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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
Neither CrossRoads Community FCU 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.
You can find a full list of participating banks and credit unions live with Zelle® here
If your recipient’s financial institution 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.
To use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.
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 know and 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, please immediately call services at 1(716) 896-8084 so we can help you.
We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by CrossRoads Community FCU but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
CrossRoads Community FCU does not charge fees to send or receive money with Zelle®, but there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.
Your mobile carrier’s messaging and data rates may apply.
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine CrossRoads Community FCU send limits, call our service at 1(716) 896-8084.
There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
3031 William Street
Cheektowaga, NY 14227
716-896-8084
Hours of Operation
MON – WED: 9am – 4pm
THURS – FRI: 9am – 5pm
SAT: 9am – 1pm
Toll Free: 1-800-290-5801
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