Question 1

Who can I send money to?

Answer

You can send money to people you know and trust with a bank account in the U.S. We recommend that you ask your recipient to enroll with Zelle® in their mobile banking app before you send them money - this will help them get your payment more quickly.

If you don't know the person or aren't sure you will get what you paid 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 Comerica Bank or Zelle® offers purchase protection for payments made with Zelle® (example - if you do not receive the item you paid for or the item is not as described or as you expected.

Question 2

How long does it take to receive money?

Answer

Money sent with Zelle® is typically available to an enrolled recipient within minutes. Ask your recipient 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 payment notification prompting them to enroll with Zelle®. After your recipient enrolls, it may take between 1 to 3 business days for your recipient to receive that payment in their bank account.

Question 3

Are there any fees to send money?

Answer

Comerica Bank does not charge any fees to use Zelle®.

Question 4

Is my information secure?

Answer

Keeping your money and information safe is a top priority for Comerica. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your Comerica account safe. When you Send Money with Zelle® in the Comerica mobile app or online banking, a one-time passcode (OTP) request is required to help protect your security. These SMS (text) or email messages will contain:

Comerica Bank
Instructions not to share the OTP
Confirmation that the OTP is exclusive to Zelle®
Assurance that we will never request the code via call or text

Question 5

How do I use a Zelle® QR code?

Answer

Find Zelle® in the Comerica Mobile Banking app, click “Send”, then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your phone’s camera will open up. To send money using a Zelle® QR code, you simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send”, and the money is on the way!

To receive money, you can locate your own Zelle® QR code by clicking the “My Code” tab. From there you can view your QR code and use the print and share icons to text, email or print their Zelle® QR code.

Question 6

Can I use Zelle® internationally?

Answer

In order to use Zelle®, the recipient must be able to receive money into a bank account in the U.S.

Question 7

What should Zelle® be used for?

Answer

Zelle® is a great way to send money to family, friends and people that you are familiar with such as your personal trainer, babysitter or neighbor¹. If you don’t know the person, or aren’t sure you will get what you paid for, we recommend you do not use Zelle® for these types of transactions.

Question 8

Who can I contact for additional Zelle® support?

Answer

To learn more about Zelle®, contact a Comerica representative at 888-444-9876.

Question 9

How do I use Zelle®?

Answer

You can send, request, or receive money with Zelle®. To get started, log into Comerica Web Banking® or Comerica Mobile Banking® app and select Zelle®. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, review and accept the terms and conditions. Now you're ready to start sending and receiving money 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 number), add the amount you'd like to send and an optional note, review, then hit "Send". The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request", select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Comerica Bank account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select Comerica Bank. 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.

Question 10

Can I cancel a payment?

Answer

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 select "Cancel this payment". If you do not see this option available, please contact our customer a Comerica representative at 888.444.9876 for assistance with cancelling the pending 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.
If you sent money to the wrong person, please immediately call a Comerica representative at 888.444.9876 so we can assist you.

Question 11

I changed the U.S. mobile number or email address that I enrolled with Zelle®, will my Zelle® QR code still work?

Answer

No, each Zelle® QR code is specific to an individual U.S. mobile number or email address. If you change the U.S. mobile number or email address, the Zelle® QR code will change. You must share your new Zelle® QR code to receive money.

Money sent to a Zelle® QR code that is not associated with an enrolled U.S. mobile number or email address will be set as “Pending” and the money will not move into your bank account unless you re-enroll the U.S. mobile number or email address associated with the QR code. If you do not re-enroll the U.S. mobile number or email address previously associated with that Zelle® QR code, the payment will expire after 14 days. If they no longer have access to the mobile number or email address, the sender should cancel the payment and send money using the new Zelle® QR code.

Why use Zelle®?

To Enroll in Zelle®:

How to use Zelle® QR codes:

Zelle® FAQs