Zelle is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union 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, even if they bank somewhere different than you do2.
Send Money in the Moment with Zelle®
City is happy to offer a fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the CNB Mobile Bank app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your CNB Mobile Bank app.
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Zelle® FAQs
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You can send money to friends, family and others you trust2.
Since money is sent directly from your account to another person’s bank or credit union 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 phone number.
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You can send, request, or receive money with Zelle. To get started, log into your CNB Mobile Bank app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the 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 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.
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 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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If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your City National Bank account, typically within minutes1.
If 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 City National Bank.
- Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.
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Zelle is a great way to send money to friends, family 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 people you trust.
Neither City National Bank, 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.
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It’s easy — Zelle is already available within the CNB Mobile Bank app! Check your app or sign-in online and follow a few simple steps to enroll with Zelle today.
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As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
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When you enroll with Zelle through the CNB Mobile Bank app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with City National Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies City National Bank of the incoming payment. City National Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
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In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
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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 or credit union 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 contact your local branch or our Customer Care Center at 888-816-8064 so we can help you.
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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 right email address or U.S. mobile phone number.
Still having trouble? Please contact your local branch or our Customer Care Center at 888-816-8064 for assistance.
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Yes! They will receive a notification via email or text message3.
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Keeping your money and information safe is a top priority for City National Bank. When you use the CNB Mobile Bank app, your information is protected with the same technology we use to keep your bank account safe.
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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 City National Bank 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.
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Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Contact your local branch or our Customer Care Center at 888-816-8064 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account 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 City National Bank account so you can start sending and receiving money with Zelle.
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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 your CNB Mobile Bank app using just their email address or U.S. mobile number.
Neither City National Bank, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.