Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes³. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank³.

You can send money to friends, family and others you trust³.

Since money is sent directly from your bank account to another person's bank account within minutes³, 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.

You can send, request, or receive money with Zelle. To get started, log into First Midwest Bank's consumer mobile app, tap the plus (+) sign, then tap Zelle^®. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept 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 minutes³.

To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"⁴.

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.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes³.

If you have not yet enrolled with Zelle, follow these steps:

1. 1. Click on the link provided in the payment notification you received via email or text message.


2. 2. Select First Midwest Bank.


3. 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.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor³.

Since money is sent directly from your bank account to another person's bank account within minutes³, Zelle should only be used to send money to friends, family and others you trust.

Zelle does not offer 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. First Midwest Bank's Retail Account Agreement and the Online Agreement describe our responsibility for accepting, rejecting and completing electronic funds transfers and electronic payments and these agreements apply to your online transactions using Zelle except as otherwise provided in the Zelle Service Terms of Use.

First Midwest Bank does not charge any fees to use Zelle³.

It's easy – Zelle is already available within First Midwest Bank's consumer mobile banking app! Check our app and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's bank 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 international deposit accounts or any credit cards.

When you enroll with Zelle through the First Midwest Bank consumer mobile app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Midwest Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies First Midwest Bank of the incoming payment. First Midwest Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

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 your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire and the transaction will need to be made again.

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 call us at 877-203-6724 so we can help you.

Money sent with Zelle is typically available to an enrolled recipient within minutes³.

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 minutes³.

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 correct email address or U.S. mobile phone number.

Still having trouble? Please give First Midwest Bank Online Banking and Mobile Support a call toll-free at 877.203.6724 or get in touch through our support page.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for First Midwest Bank. When you use I within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

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). Zelle does not offer 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. First Midwest Bank’s Retail Account Agreement and the Online Agreement describe our responsibility for accepting, rejecting and completing electronic funds transfers and electronic payments and these agreements apply to your online transactions using Zelle except as otherwise provided in the Zelle Service Terms of Use.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call Online Banking and Mobile Support and ask them to move your email address or U.S. mobile phone number to First Midwest Bank so you can use it for Zelle.

Once Online Banking and Mobile Support moves your email address or U.S. mobile phone number, it will be connected to your First Midwest Bank account so you can start sending and receiving money with Zelle through the First Midwest Bank consumer mobile banking app. Please call First Midwest Bank Online Banking and Mobile Support toll-free at 877.203.6724 for help.

Yes, 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 First Midwest Bank mobile banking app using just their email address or U.S. mobile number.

Zelle does not offer 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.

No. At this time, First Midwest Bank does not allow you to enroll your business account.