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NOTICE OF CHANGE IN TERMS: Effective November 7, 2024, the agreements governing depository accounts are changing. For a complete copy of the newly amended Account Agreements, please speak to a service representative at any of our branches or call 859-253-6359 with any questions.

Zelle®

Send and Receive Money with Zelle®

Zelle® is a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

FAST

Send money directly from your account to theirs — typically in minutes1.

SECURE

Use Zelle® within the app you already trust. No account numbers are shared.

EASY

Send money using just an email address or U.S. mobile number.

Enroll today and send money to friends and family:

  1. Log into the CentralMOBILE app.

  2. Under "Quick Links", select "Send money with Zelle®".

  3. Enroll your email address or U.S. mobile number.

  4. You're ready to start sending and receiving money with Zelle®.

DOWNLOAD THE APP:

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Frequently Asked Questions

HOW DO I USE ZELLE®?

You can send, request, or receive money with Zelle®. To get started, log into Central Bank's mobile app. Under "Quick Links", select "Send money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. 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, 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 Central Bank account, typically within minutes.

If someone sent you money with Zelle® and 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 Central 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 to ensure you receive your money.

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 number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile number to Central Bank so you can use it for Zelle®.

Once customer support moves your email address or U.S. mobile number, it will be connected to your Central Bank account so you can start sending and receiving money with Zelle® through the Central Bank mobile app. Please call Central Bank customer support toll-free at 1-800-637-6884 for help.

See more FAQs

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.

3 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.