Send and Receive Money with Zelle®

Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.


Send money directly from your account to theirs — typically in minutes.


Use Zelle® within the app you already trust. No account numbers are shared.


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

Enroll today and send money to friends and family:

Zelle® Frequently Asked Questions

  • What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

    You can find a full list of participating banks and credit unions live with Zelle® here. If your recipient’s bank or credit union 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 ...

  • Are there any fees to send money using Zelle®?

    No, Commercial Bank of California does not charge any fees to use Zelle® in the Commercial Bank of California app. Your mobile carrier’s messaging and data rates may apply.

  • Can I cancel a payment?

    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 you do not see this option available, please contact our customer support team at 657-289-2550 for assistance with canceling 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. ...

  • Can I use Zelle® internationally?

    In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

  • Can I pay a small business with Zelle®?

    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 Commercial Bank of California mobile app using just their email address or U.S. mobile number. Neither Commercial Bank of California 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.

  • Who can I send money to with Zelle®?

    Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1. Since money is sent directly from your Commercial Bank of California account to another person’s bank account within minutes1, 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 ...

  • Is my information secure?

    Keeping your money and information safe is a top priority for Commercial Bank of California. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Commercial Bank of California account safe.  

  • What if I get an error message when I try to enroll an email address or U.S. mobile number?

    Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. If you would like to move your email address or U.S. mobile number from the financial institution where you initially enrolled with Zelle®, simply click “Transfer” when prompted during the Zelle® enrollment process and confirm your desired changes. Once you transfer your email address or U.S. mobile number, it will be connected to your account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.

  • How do I use Zelle®?

    You can send, request, or receive money with Zelle®. To get started, log into Commercial Bank of California’s mobile app. Tap “+” at the bottom of the screen, then select the Zelle® icon. 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 ...

Have Questions?