Frequently Asked Questions

Zelle is already available within your PhiloMobile banking app! Sign-in, complete a few simple steps to enroll with Zelle today.

Zelle is a bank to bank transfer.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your co-worker, babysitter or neighbor2.

Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

In short, the answer is no. If the person you sent money to has already enrolled with Zelle, 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 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, we recommend contacting the recipient and requesting the money back.

Still having trouble? Please contact Philo Exchange Bank at (217) 684-2600.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority. When you use Zelle within the PhiloMobile app or Philo Exchange Bank online banking, your information is protected with the same technology we use to keep your bank account safe.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Contact the Zelle customer support team at XXX-XXX-XXXX and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Philo Exchange Bank account so you can start sending and receiving money with Zelle through your PhiloMobile banking app and Philo Exchange Bank online banking. Please call Philo Exchange Bank at (217) 684-2600 for help.

If you don't know the person, or aren't sure you will get what you paid for you should not use Zelle for these types of transactions. This type of transactions is potentially high risk. Just like sending cash to a person you don't know is high risk. Zelle does not offer a protection program for any authorized payments made with Zelle.

Don't have our mobile app? Download it for free:

App store is a service mark of Apple Inc. 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. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. 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.