Zelle®
Start sending money with Zelle.®
Zelle® is a convenient way to send and receive money with friends, family and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle® makes it easy to pay your share. Over 100 million people are enrolled with Zelle®, so you can send money to friends and family even if they don’t bank at Citizens National Bank.*
You can send money to friends, family, and others you trust.2
Since money is sent directly from your bank account to another person’s bank account within minutes,3 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.
To Get Started:
- Enroll or log in to Citizens National Bank’s Bill Pay within Online Banking or Mobile Banking.
- Select the Send Money with Zelle® tab.
- Accept terms and conditions.
- Enter your email address or U.S. mobile number and deposit account.
- You will receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle.
To Send Money:
- 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 the amount and hit Send.
- In most cases, the money is available to your recipient in minutes if they’re already enrolled with Zelle®.3
To Request Money:
- Choose Request.
- Select the individual(s) from whom you’d like to request money.
- Enter the amount you’d like to request and an optional note.
- Review and hit Request.4
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.
Enrolled in Zelle®:
- Share your enrolled email address or U.S. mobile phone number for your money to be sent with Zelle.®
- The money will be sent directly to your bank account and will typically be available within minutes.3
Not Enrolled with Zelle®:
- Click the link provided in the payment notification you received via email or text message.
- Select Citizens National 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.
- Enroll in Zelle® using the email address or U.S. mobile number where you received the notification to ensure you receive your money.
Keeping your money and information secure is a top priority for Citizens National Bank.
When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Citizens National Bank account safe.
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.*
Since money is sent directly from your Citizens National Bank account to another person’s bank account within minutes*, 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 cash to a person you don’t know is high risk).
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 the CNBOHIO mobile app or online banking using just their email address or U.S. mobile number.
Neither Citizens National 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.
Please contact our customer support team at 800-262-4663. 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 contact our customer support team at 800-262-4663 for assistance with canceling the pending payment.
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 call our customer support team at 800-262-4663 to determine what options are available.
No, Citizens National Bank does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier’s messaging and data rates may apply.
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.
Zelle® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the CNBOHIO mobile app. In the main menu, select “Transfer and Pay”. Then “Send money with Zelle®“.. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.
To send money, log into the CNBOHIO mobile app. In the main menu, select “Transfer and Pay”. Then “Send money with Zelle®“.. Click “Send,” then click on the QR code icon displayed at the top of 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.
* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
1 Mobile network carrier fees may apply.
2 To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
3 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
4 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®.
Terms and conditions apply. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.