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Zelle®

Send and receive money in minutes with Zelle®. It’s the fast and easy way to move money right from your Lake Ridge Bank mobile app or online banking account.

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Why You’ll Love Using Zelle®

Whether you’re paying a friend back for coffee or splitting rent with a roommate, Zelle® keeps things simple and stress-free.

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Fast Transfers

Send or receive money in minutes¹, directly between U.S. bank accounts.

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Easy Access

Log into online banking or the Lake Ridge Bank mobile app to start using Zelle® today.

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Convenient Payments

Settle up with friends, family, or coworkers — even if they bank somewhere else².

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Simple Setup

All you need is an email address or U.S. mobile number to send and receive funds.

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Trusted Security

Funds move directly between bank accounts — no third-party apps or middlemen.

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What Are Some Simple Tips To Ensure Your Money Is Sent Safely

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Know

Only use Zelle® to send money to friends, family and other people you trust.

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Verify

Make sure your recipient’s name and U.S. Mobile number or email address are correct before sending money.

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Be Aware

If a payment situation feels off, it probably is. Trust your gut and investigate.

Frequently Asked Questions

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

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.

What are scheduled and recurring payments?

We offer you the flexibility to schedule payments to be sent at a later date if you like or even set up recurring payments for things like regularly sending money to your college student. Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Lake Ridge Bank but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How do I receive money that someone sent me 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 bank account and will be available typically within minutes. If 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 Lake Ridge Bank.
  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 where you received the notification to ensure you receive your money.

Does Lake Ridge Bank or Zelle® offer purchase protection?

Neither Lake Ridge Bank 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.

How do I use Zelle?

You can send, request or receive money with Zelle®.
  • To get started, log in to online banking or our mobile banking app and navigate to the “Zelle®”. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will receive a one-time verification code. Enter it and you’re ready to start sending and receiving with Zelle®.
  • To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter 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 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 to request, 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 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 account, typically within minutes.
  • If someone sent you money with Zelle® and 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 Lake Ridge Bank. 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.
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App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.