Skip to content

OPEN AN ACCOUNT • APPLY FOR A LOAN • SEARCH

UCU Logo
ONLINE BANKING

This field is required.

Register • Forgot Username • Forgot Password

Upgrades In Progress!

Our new Digital Banking platform will launch very soon!
More info on the upgrades and how to register.

  • Accounts
    • Open an Account
    • Kasasa®
    • Checking Accounts
    • U First Teen Checking
    • Youth Accounts
    • Savings Accounts
    • Business Checking
    • Rates
  • Loans
    • Apply for a UCU Loan
    • Paying Your Loan
    • Vehicle Loans
    • Recreational Vehicle Loans
    • Home Loans
    • HELOC and Home Equity Loans
    • Credit Cards
    • Education Loans
    • Personal Loans
    • Business Lending
    • Skip-a-Pay
    • Calculators
  • Investments
    • UCU Wealth Management
    • UCU Wealth Management Seminars
  • Convenience
    • Digital Banking
    • Mobile App
    • UCU Credit Card App
    • Mortgage eStatus
    • Mobile Payments
    • eAlerts
    • Bill Pay
    • Teller Phone
    • Kasasa Protect™
  • Here for U
    • About Us
    • Locations & Hours
    • Contact Information
    • Community Impact
    • Certified Credit Union Financial Counseling
    • Online Security Info
    • Purpose and Core Values
    • Become a Member
    • U Financially Fit
    • U Financially Fit Teen
    • UCU’s Blog
    • Member Education
  • Accounts
    • Open an Account
    • Kasasa®
    • Checking Accounts
    • U First Teen Checking
    • Youth Accounts
    • Savings Accounts
    • Business Checking
    • Rates
  • Loans
    • Apply for a UCU Loan
    • Paying Your Loan
    • Vehicle Loans
    • Recreational Vehicle Loans
    • Home Loans
    • HELOC and Home Equity Loans
    • Credit Cards
    • Education Loans
    • Personal Loans
    • Business Lending
    • Skip-a-Pay
    • Calculators
  • Investments
    • UCU Wealth Management
    • UCU Wealth Management Seminars
  • Convenience
    • Digital Banking
    • Mobile App
    • UCU Credit Card App
    • Mortgage eStatus
    • Mobile Payments
    • eAlerts
    • Bill Pay
    • Teller Phone
    • Kasasa Protect™
  • Here for U
    • About Us
    • Locations & Hours
    • Contact Information
    • Community Impact
    • Certified Credit Union Financial Counseling
    • Online Security Info
    • Purpose and Core Values
    • Become a Member
    • U Financially Fit
    • U Financially Fit Teen
    • UCU’s Blog
    • Member Education
ONLINE BANKING

This field is required.

Register • Forgot Username • Forgot Password

Upgrades In Progress!

Our new Digital Banking platform will launch very soon!
More info on the upgrades and how to register.

Download our mobile app.  UCU Maine Mobile App

Download our mobile app.  UCU Maine Mobile App

UCU Zelle

Send and Receive Money with Zelle®

Enroll Now
 

Introducing Zelle® – 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.

Safe

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.

Download the UCU App:
App Store
Google Play

Enroll today and send money to friends and family:

1
    Log into the UCU app.
2
    In the main menu, 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®.

Zelle® Frequently Asked Questions

 

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into UCU's mobile app. In the main menu, 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 UCU 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 UCU.
  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 UCU 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 UCU account so you can start sending and receiving money with Zelle® through the UCU mobile app. Please call UCU customer support toll-free at 800.696.8628 for help.

Is my information secure?

Keeping your money and information safe is a top priority for UCU. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your UCU account safe.

Who can I send money to with Zelle®?

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1.

Since money is sent directly from your UCU account to another person’s bank account within minutes1, 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).

Neither UCU 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.

Can I pay a small business with Zelle®?

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 your UCU mobile app using just their email address or U.S. mobile number.

Neither UCU nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Can I use Zelle® internationally?

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Can I cancel a payment?

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 800.696.8628 for assistance with canceling the pending payment.

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, please immediately call our customer support team at 800.696.8628 so we can help you.

Are there any fees to send money using Zelle®?

No, UCU does not charge any fees to use Zelle® in the UCU app.

UCU does not charge fees to send or receive money with Zelle®, but there is a $ stop payment fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier’s messaging and data rates may apply.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

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

If your recipient’s bank or credit union 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.

 

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-696-8628 for assistance.  
All products and services available on this website are available at all UCU full-service locations.

Quick Links

Phone: 800 696 8628
Text: 207 889 8600
(business hours only)
Locations & Hours
Contact Us
Open an Account
Apply for a Loan

Resources

Applications & Forms
Become a Member
Terms & Conditions
Privacy Policy

Routing Number: 211288161
NMLS ID: 407658
Federally Insured by NCUA

Latest from UCU

Scholarship Program
News
Referral Program
Ending Hunger
Community Impact

Build & Protect

UCU Wealth Management
Insurance Benefits & Options

Learn

U Financially Fit
U Financially Fit Teen
Member Education
Online Security Info
Here for U: Financial Literacy Blog
UCU Wealth Management Seminars
First Time Home Buyer Courses

FIND US

CALL US

TEXT US

© 2025 University Credit Union

University Credit Union
Equal Housing Opportunity logo
Excess Share Insurance logo
Insured by NCUA