Zelle® is coming!

As a M&F Bank customer, you will soon be able to send and receive money with friends, family and those you know and trust directly from the M&F Bank app with Zelle®. Beginning April 7, 2022, look for communications from us with more information on how you can enroll and start sending money with Zelle®.

As a reminder, M&F Bank will never call, text, or email you and ask for your passcode, account number or SSN. If you have questions or need assistance, email us at eservices@dev.mfbonline.com or contact your local branch.

Zelle® FAQs
1. What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes . With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1
2. How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into M&F Bank online banking or mobile app and select “Send Money with 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 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, 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 mobile phone number.

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 be sent directly into your M&F Bank account, typically within minutes1.

3. How does Zelle® work?
When you enroll with Zelle® through the M&F Bank app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with M&F 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 M&F Bank of the incoming payment. M&F Bank then directs the payment into your M&F Bank account, all while keeping your sensitive account details private.
4. Who can I send money to with Zelle®?
You can send money to friends, family and others you trust1 even if they have a different bank or credit union. Since money is sent directly from your M&F Bank account to another person’s bank 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 number.
5. Are there any fees to send money using Zelle®?
M&F Bank does not charge any fees1 to use Zelle® with your personal checking account.
6. How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes. 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 be sent directly to your recipient’s account, typically within minutes. 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 contact the M&F Bank customer support team at eservices@mfbonline.com or get in touch through our support page.
Be prepared to start using Zelle® and enroll in Online Banking!

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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