Zelle® is a fast, safe and free way to send money in our app.
American Bank & Trust and Zelle

Zelle® is a fast, safe and free 1 way to send money to friends and family

We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust. 2


Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money!

How to start using Zelle®

  1. Enroll or log in to Bill Pay
  2. Select "Send Money with Zelle®"
  3. Accept Terms and Conditions
  4. Select your U.S. mobile number or email address and deposit account

That’s it! You’re ready to start sending and receiving money with Zelle®.

Using Zelle® is:

Fast

Send money directly from your account to theirs, typically in minutes3

Safe

Send and receive money with Zelle® right from Bill Pay online or our mobile banking app2

Easy

Send money using just their U.S. mobile number or email address

Free

There are no fees to send money with Zelle® from our online or mobile banking app1

Watch the video to learn more about Zelle®!

Frequently Asked Questions

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 minutes. 3 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust. 2

Since money is sent directly from your bank account to another person's bank account within minutes, 3 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.

How do I enroll in and use Zelle®?

To get started, log in to American Bank & Trust’s online banking or mobile app and navigate to the “Send Money With Zelle®” tab. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter 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 minutes. 3

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.” 4

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®.

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Don't have our mobile app?

Download it for free:

1 Mobile network carrier fees may apply.

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

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

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

Copyright © 2022 American Bank & Trust. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

American Bank & Trust
6810 S Minnesota Ave
Sioux Falls, SD 57108
877-711-6142

Member FDIC. Equal Housing Lender
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