Zelle Processing Time: Why It’s Better Than the Rest ( Explained )

In this article, I’m going to show you a simple solution to the problem of Zelle processing time that will make it much easier for you to process Zelle’s money.

So if you want to be able to pay your Zelle bills faster than ever before, then read on…

Zelle processing time

Zelle is a digital payment service that allows you to send and receive money to anybody in the U.S. Zelle is quick, safe, and convenient, making your hassle of handling money easy. With Zelle, you can send money to almost anyone with just their email address or phone number.

It is integrated with hundreds of banks in the U.S, making it available to almost everyone. Even if your bank is not associated with Zelle, you still get to enroll with Zelle using your debit card or Visa.

Read This to Know >> Here is Why Is My Zelle Payment Pending [ Reasons & Solutions ]

How Long to Receive money with Zelle?

If someone sent you money through Zelle and has an existing account with Zelle, money gets deposited directly to your bank account associated with Zelle.

However, if you are not enrolled with Zelle and someone sent you money, you will receive a notification about the payment. The information will be sent on your email or phone number depending upon the mode of the payment done to you.

Click on the link provided in the payment notification and enroll with Zelle to claim the money.

The money will not get deposited into your bank account until you claim it by enrolling with Zelle. However, you get 14 days to register and claim the money.

Does Zelle Have a Processing Time?

Money gets transferred almost immediately with Zelle. There is no processing time with Zelle.

However, if you paid someone on a non-business day, you might face a delay. Payments made on weekends or after 7 pm EST usually take a little time for the transfer. It is not usually a thing to worry about as the payment will get transferred in a short time.

Does money Zelle go through Immediately?

Money through Zelle gets transferred within moments.

However, if the recipient is not enrolled with Zelle, it might take time to reach them. Money will not go to their bank account unless they register with Zelle.

If sent the money to someone who does not have a Zelle account, ask them to enroll in Zelle and claim their payment.

If they do not register with Zelle within 14 days of the payment, it will expire, and you will get your money back in your account.

Zelle Processing Time Bank of America

The speed of Zelle transfers does not vary from bank to bank. Zelle transfers payments within moments, even if you are using it with a bank not associated with Zelle.

If you send money to someone who is enrolled with Zelle, money gets transferred within minutes. If the recipient does not have an account with Zelle, they cannot get the money in their account until they enroll in Zelle.

Once the transfer is initiated, money is held for 14 days until the person claims it. Money returns to your bank account if they do not claim it within the given period. 

How To Receive Zelle Bank of America

If you are already enrolled with Zelle, money sent to you will reach your Bank of America account. 

However, if you are not enrolled with Zelle, and someone sent you money, you must register to receive it. Follow the steps to register and claim the payment:

If you already have a Zelle account, you need not worry, as the money will reach directly into your associated bank account within minutes.

You can receive money on Zelle even if you don’t have an account on Zelle. Here’s how you can start receiving money through Zelle:

If someone sends you money through Zelle, you will receive a payment notification about it, either on your email or on your phone number.

  1. Click on the link provided in the email or text.
  2. Download the Zelle app through Google play store or Apple app store, if you haven’t already.
  3. Enter your phone number or email address depending upon the kind of payment done to you. Click ‘continue’.
  4. Read the policy and security and check the box if you agree with their terms and conditions. Then tap ‘continue’.
  5. Search for your bank on the ‘find your bank’ screen to complete the transaction, you will automatically get redirected to your bank’s website. There you can complete the process. 

As soon as you enroll in Zelle, money gets transferred to your account.

How To Set Up Zelle for Bank Of America

Please keep your email address, phone number, and debit card information handy as they are required during registration. Zelle supports payments only within the U.S. 

So, make sure you have a U.S based mobile phone to enroll in Zelle.

  1. The next step is to visit your online banking app or log in from their website. For example: if you have an account in the Bank of America, sign in to your online banking app and go to transfer and pay.
  2. Click on the option ‘send money with Zelle’ 
  3. Read and accept the terms and conditions.
  4. Lastly, add your email address and your phone number.
  5. A verification code will be sent to your email or phone number.

Verify your account with the given code to start using Zelle.

How long for Zelle Transfer to Clear

The payment status might be pending because the user has not yet enrolled with Zelle. If sent the money to someone who does not have a Zelle account, ask them to register in Zelle and claim their payment.

Sometimes, even if the person is enrolled with Zelle, the payment does not reach the recipient immediately. If someone has registered with Zelle newly, it might take up to 3 days for the money to reach their account.

However, it is not a reason to worry as this is only for first-time users.

If you sent money to someone on a non-business day, the payment status might show pending. It will clear in 1-3 days. However, you should try contacting the Zelle customer care services and state your query if it doesn’t.

How long does it take to receive money with Zelle Navy Federal?

Sending money to someone already enrolled with Zelle does not take time.

If you send money to someone not yet enrolled with Zelle, they cannot claim the payment until they enroll with Zelle. Money remains on hold for 14 days before they claim the money.

Once they enroll with Zelle, money will get transferred between 2-3 business days, depending on processing time.

This applies to other banks, such as Chase, Wells Fargo, Citizens, U.S. Bank, etc.

Why is my Zelle payment pending

There could be a few reasons why your payment status is pending.

  • User not enrolled in ZelleYou entered the wrong Email address
  • Tried International transfer
  • Payment on non-business days 
  • Users Zelle account blocked
  • Issues with the bank server
  • Problems with Zelle or Bank app

Let us see what you can do to overcome these issues.

Enter the correct email address or mobile phone number:

Sometimes, there might be some typing error made by you in the email or phone number. You should double-check the email address or phone number and correct the mistake you made.

Ask the recipient to enroll in Zelle.

The payment status might be pending because the user has not yet enrolled with Zelle. Ask the user to get enrolled in Zelle and claim their payment.


There might be some technical issues with the servers of your bank or Zelle. Wait for some time so that you can initiate the transfer again.

Cancel the payment

You can cancel the pending payment if you wish to.

Make payments on business days.

If you make payments on non-business days of the bank, your payment status might show pending. Hence, if you want an instant transfer, try making payments only on business days.

Contact Zelle customer care service:

If any of the solutions mentioned above did not work for you, you can always contact Zelle customer services and take help from them.

You can contact Zelle customer care services and tell them about your issue.

You can contact them at:

Email address: customerservice @ zellepay.com

In Conclusion About Zelle Processing Time

Zelle is one of the fastest money transfer apps with almost no processing time.

There can be many reasons why Zelle shows your payment status as pending. There can be one of the various reasons stated above.

We hope the solutions mentioned above help you with your issue.

Are you a Zelle app user? If yes, what changes do you recommend in Zelle? Let us know