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Send and Receive Money with Zelle®
We're partnering with Zelle® to bring you a fast and easy way to send and receive money with friends, family and other people you trust. Eligible personal and small business customers can also send and receive payments with Zelle®.1
Zelle® is free and available right from your Online Banking profile or TD Bank app. You don't need to download anything new to get started.
Zelle® is fast, easy and free for TD customers
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Business
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Personal
Business Customers
- Use Zelle® to accept payments from your customers or pay an eligible vendor, supplier or employee1
- Send payments fast—typically within minutes1—directly from one account to another
- Share your email address, U.S. mobile number or QR code and customers can pay you wherever you are, with no need for your account information1
- Improve cash flow with no need to wait for a check to clear
Quick and easy payment requests with a Zelle® QR code
Now your customers enrolled in Zelle® can simply scan your QR code to send payments directly from their bank accounts to yours.1 There's no manual entry of phone numbers or email addresses needed. See our FAQs for how-to steps.
Business Customer FAQs
Zelle® is a fast and easy way for small businesses to receive, request and send money to customers and vendors they trust. Money is typically sent and received within minutes.1 If your customer uses Zelle® they can send payments directly to your TD Bank account from their online or mobile banking app using your email, U.S. mobile number or your QR code.
To get started, log into TD Bank's Online Banking or the TD Bank app and select "Zelle®".
Enter your email address or U.S. mobile number, receive a one-time verification code, accept the terms and conditions, and you're ready to start receiving and sending money with Zelle®.
To receive money using Zelle®, share your enrolled email address, U.S. mobile number, or QR code with your customers and ask them to send you payment with Zelle®. After the customer sends you payment with Zelle®, you'll receive your payment directly into your enrolled bank account.
To send money with Zelle®, 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". In most cases, the money is available to your recipient in minutes.1
If the small business or customer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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.
To request money using Zelle® with a small business account, click "Zelle®", select "Request", enter the individual's email address or U.S. mobile number, confirm that the recipient is correct and tap "Request".2
If your customer is using Zelle® through their banking app, they'll be able to pay you with Zelle®. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle® and you should arrange for a different payment method.
Simply log into TD Bank Online Banking or the TD Bank app and select "Zelle®". Then enter an email address or U.S. mobile number to connect to your small business bank account.
Important note: if you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, name@email.com could be connected to your personal checking account and 555-555-1234 could be connected to your small business bank account.
There are a few ways you can encourage your customers to pay you with Zelle®:
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app
- Include it on an invoice. We recommend adding "I accept payments with Zelle®" or "Pay me with Zelle®"
- Use Zelle® to request money from your customers (which will send them a notification telling them you've requested payment with Zelle®2
You'll only be able to receive payments from customers using Zelle® through their financial institution's banking app. You will not be able to receive payments from customers enrolled in the Zelle® app.
Keeping your money and information safe is a top priority for TD Bank. When you use Zelle® within our Online Banking or the TD Bank app, your information is protected with the same technology we use to keep your TD Bank account safe.
Ready to get started?
Personal Customers
- Use Zelle® to gift money, pay the babysitter or split the cost of a night out1
- Send money to almost anyone in the U.S. with a U.S. bank account using their email or U.S. mobile number—even if they aren't a TD customer1
- Send a request to your friends and they'll receive easy instructions on how to pay you1
Quick and easy payment requests with a Zelle® QR code
Now your friends enrolled in Zelle® can simply scan your QR code to send payments directly from their bank accounts to yours. Skip the manual part and share your unique QR code with friends and family to easily transfer money. Check out our FAQs for how-to steps.
Personal Customer FAQs
Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different from you.1 All you need is your recipient's email address or U.S. mobile number or QR code and money will be sent directly from your TD Bank account to their account in minutes.1 No account numbers are shared.
To get started, log into TD Bank's Online Banking or the TD Bank app and select "Zelle®."
Enter your email address or U.S. mobile number, receive a one-time verification code, accept the terms and conditions, and you are ready to start receiving and sending money with Zelle®.
To send money using Zelle®, 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 would like to send and an optional note, review, then hit "Send". In most cases, the money is available to your recipient in minutes.1
If the recipient or small business you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their banking account and cannot be canceled. 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.
To request money using Zelle®, select "Request", enter the individual's email address or U.S. mobile number, confirm that the recipient is correct, and tap "Request".2
Keeping your money and information safe is a top priority for TD Bank. When you use Zelle® within our Online Banking or the TD Bank app, your information is protected with the same technology we use to keep your TD Bank account safe.
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 TD 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 TD Bank nor Zelle® offers purchase protection for payments made with Zelle (for example, if you do not receive the item you paid for or the item is not as described).
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the TD Bank app or online banking using just their email address or U.S. mobile number.
Neither TD Bank nor Zelle® offers purchase protection for payments made with Zelle® (for example, if you do not receive the item you paid for or the item is not as described). Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.