What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank3.
How does Zelle® work?
When you enroll with Zelle® through Bar Harbor Bank & Trust, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Bar Harbor Bank & Trust). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Bar Harbor Bank & Trust of the incoming payment. Bar Harbor Bank & Trust then directs the payment into your bank account, all while keeping your sensitive account details private.
What are the best uses for Zelle®?
Zelle® is a great way to send money to friends, family, and people you are familiar with such as your classmate, babysitter, or neighbor3.
If you don't know the person, or if you aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle® for these types of transactions, which are potentially high risk. Neither Bar Harbor Bank & Trust, nor Zelle®, offers 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.
Zelle® is not intended for use by Bar Harbor Bank & Trust business banking customers.
How do I get started?
It’s easy — Zelle® is already available within Bar Harbor Online and the Bar Harbor Mobile app! To get started, log into your Bar Harbor Online account or Bar Harbor Mobile app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.
Get detailed instructions on how to enroll from Bar Harbor Online.
Can I use Zelle® internationally?
In order to use Zelle®, the sender's and recipient’s bank or credit union accounts must be based in the U.S.
Will I be charged a fee from Bar Harbor Bank & Trust for using Zelle®?
Bar Harbor Bank & Trust does not charge any fees to use Zelle®.1
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team at 1-888-853-7100 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired Bar Harbor Bank & Trust account so you can use it for Zelle®.
Is it safe to use Zelle® to send money?
No sensitive account details are shared when you send and receive money with Zelle®. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle® with people you trust, and always make sure you are using the correct U.S. mobile number or email address.
For more information about how to use Zelle® safely, visit www.zellepay.com/pay-it-safe.
Is Zelle® available for businesses to use?
Currently, Bar Harbor Bank & Trust only offers Zelle® on our personal accounts.