Easy and Convenient

You can send, request, or receive mon­ey with Zelle^®. To get start­ed, log into your SF Fire mobile app, look for the Zelle^® menu icon on the bot­tom nav­i­ga­tion bar, then select “Send.”

To send mon­ey using Zelle^®, select a trust­ed recipient’s email address or U.S. mobile num­ber from your Con­tacts, enter 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 U.S. 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 SF Fire Cred­it Union account, typ­i­cal­ly with­in minutes.

If some­one sent you mon­ey with Zelle^® and you have not yet enrolled with Zelle^®, fol­low these steps:

1. Click on the link pro­vid­ed in the pay­ment noti­fi­ca­tion you received via email or text message.
2. Select SF Fire Cred­it Union.
3. 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.

Keep­ing your mon­ey and infor­ma­tion secure is a top pri­or­i­ty for SF Fire Cred­it Union. When you use Zelle^® with­in your SF Fire mobile app, your infor­ma­tion is pro­tect­ed with the same tech­nol­o­gy we use to keep your SF Fire account safe.

Mem­bers who are 18 years or old­er, have com­plet­ed an iden­ti­ty ver­i­fi­ca­tion, and have a check­ing account for per­son­al use in good stand­ing can enroll in and use Zelle® to send and receive money.

If you don’t have a check­ing account yet, you can apply to open one here.

Please note, in some instances, access to this ser­vice may be restrict­ed based on account his­to­ry or oth­er eli­gi­bil­i­ty factors.

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).

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 SF Fire account to anoth­er person’s bank account with­in min­utes¹, Zelle^® should only be used to send mon­ey to friends, fam­i­ly and oth­ers you trust.

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 SF Fire mobile app using just their email address or U.S. mobile number.

Zelle pur­chas­es are not guar­an­teed in any way. Nei­ther SF Fire Cred­it Union nor Zelle^® offers pur­chase pro­tec­tion for pay­ments made with Zelle^® . 

Nei­ther SF Fire Cred­it Union 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 or as you expect­ed. Only send mon­ey to peo­ple and small busi­ness­es you trust and always ensure you’ve used the cor­rect email address or U.S. mobile num­ber when send­ing money.

Please reach out to our Con­tact Cen­ter by phone at 1–888-499-FIRE (3473) or chat at www.sffirecu.org. Mon­day through Fri­day from 7am to 7pm and Sat­ur­days from 9am to 5pm. 

Qual­i­fy­ing imposter scams may be eli­gi­ble for reimbursement.

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

No, Zelle® pay­ments can­not be reversed.

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 reach out to our Con­tact Cen­ter by phone at 1–888-499-FIRE (3473) or chat at www.sffirecu.org Mon­day through Fri­day from 7am to 7pm and Sat­ur­days from 9am to 5pm.

If the per­son you sent mon­ey to has already enrolled with Zelle^® through their bank or cred­it union’s mobile app or online bank­ing, 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 know and 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 reach out to our Con­tact Cen­ter by phone at 1–888-499-FIRE (3473) or chat at www.sffirecu.org Mon­day through Fri­day from 7am to 7pm and Sat­ur­days from 9am to 5pm.

No, SF Fire Cred­it Union does not charge any fees to use Zelle^® offered via the SF Fire mobile app.

Your mobile carrier’s mes­sag­ing and data rates may apply.

Yes, there are lim­its for send­ing mon­ey with Zelle® start­ing at $500.

If you have ques­tions or need help under­stand­ing your lim­its, our friend­ly team is here for you—just give us a call at 1–888-499-FIRE (3473) or chat with us at www.sffirecu.org Mon­day through Fri­day from 7am to 7pm, or Sat­ur­days from 9am to 5pm.

We’re always hap­py to help you get the most out of your bank­ing experience.

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. The list of par­tic­i­pat­ing finan­cial insti­tu­tions is always grow­ing. You can find the updat­ed  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.

How do I use a Zelle^® QR code?

Zelle^® QR code pro­vides peace of mind know­ing you can send and receive mon­ey to the right per­son, with­out typ­ing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into your SF Fire Mobile App, click on the Zelle^® menu icon on the bot­tom nav­i­ga­tion bar, then at the top right hand side, with­in the green “Send Mon­ey with Zelle^®” ban­ner, click on the square icon with mul­ti­ple sym­bols. Next, click “My Code” and your QR code will be dis­played. From here you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive mon­ey, share your Zelle^® QR code.

To send mon­ey, log into Your SF Fire Mobile App, click on the “ Zelle^®” menu icon locat­ed in the bot­tom nav­i­ga­tion bar, click “Send,” then click on the “Scan the QR code” to send mon­ey with Zelle tab dis­played below the “Select Recip­i­ent” screen. Once you allow access to your cam­era, sim­ply point your cam­era at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the mon­ey is on the way! When send­ing mon­ey to some­one new, it’s always impor­tant to con­firm the recip­i­ent is cor­rect by review­ing the dis­played name before send­ing money.

SF Fire Cred­it Union will nev­er call or text you to request mon­ey via Zelle®, ask for a ver­i­fi­ca­tion code, or instruct you to send mon­ey or share a code under any circumstances.