Zelle^®��is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking.�� All you need is your recipient’s email address or U.S. mobile��number, and money will be available to use��in minutes if they’re already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at M&T ��������.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.{{d5021*}}

Since money is sent directly from your M&T �������� account to another person’s bank account within minutes{{d5021*}}, Zelle^® should only be used to send money to friends, family and others you trust.��

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

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use���ܱ������®��for these types of transactions. Neither M&T nor���ܱ������®��offers a protection program for any authorized payments made with���ܱ������®��– for example, if you do not receive the item you paid for or the item is not as described or as you expected.

To get started with���ܱ������®, log into the M&T Mobile ��������ing app or in Online ��������ing and select Send Money with �ܱ������® to enroll.

You can send, request, or receive money with Zelle^®. To get started, log into the M&T �������� app. In the main menu, select "Send money with �ܱ������®".

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 U.S. 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 M&T �������� account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

A.������ Click on the link provided in the payment notification you received via email or text message.

B.������ Select M&T ��������.

C.������ 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.��