Zelle��is a fast and easy way for M&T customers to send money to almost anyone with a bank account in the U.S. With just an email address or U.S. mobile phone number you can now quickly and easily send money.

​W���ٳ����ܱ��������you can send money to almost anyone you know and trust with a bank account in the U.S. You can send money directly from the M&T Mobile ��������ing app or in Online ��������ing.

�ܱ��������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��Zelle��– 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��Zelle, 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 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 phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.{{d553*}}

To request money using��Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.�� In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with��Zelle.

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.

There’s no charge to use���ܱ��������with M&T ��������.��All you need is an eligible consumer checking or savings account.

The contact information you were trying to enroll is already enrolled with��Zelle��at another financial institution. Please use a different U.S. mobile number or email address or call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET) to transfer this contact information.

​If you didn’t receive a verification code, verify the information you entered and then proceed to requesting a new verification code.

If you entered the code incorrectly, proceed to requesting a new verification code.��

To request a new verification code, click or tap the��Resend Verification Code��link on the��Validate Account��screen. You will receive a new code to the email or mobile device you're trying to activate. Enter the new code when prompted. You have 10 minutes to enter the verification code correctly before it expires.

If you are already enrolled in Zelle and you’d like to add additional contact methods, follow the instructions below.

From M&T Online ��������ing:

1. ������𳦳���Payments and Transfers > Manage �ܱ������®��Settings
2. Select either��Add Email or Add Mobile
3. Enter the new contact method you’d like to add
4. Click��������
5. Enter the 6 digit passcode sent to the email or phone number being registered
6. �����������Submit

From the M&T Mobile App:

1. From the main menu, tab��Send Money with �ܱ������®��> Settings
2. Select either��Add Email��or��Add Mobile
3. Enter the new contact method you’d like to add
4. �ղ�����Continue
5. Enter the 6 digit passcode sent to the email or phone number being registered
6. �ղ�����Continue
7. �ղ�����All Done

Transactions between previously enrolled��Zelle��users typically occur in minutes. Depending on the senders’ bank, it may take between 1 and 3 business days to complete the transaction.

If you have any questions, contact M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

​If you are already enrolled in��Zelle��and you’d like to remove a contact method, follow the instructions below. Please note, if you receive a future payment to a mobile number or email address you have removed, then you will be prompted to enroll it again before you receive the payment into your bank account.

From M&T Online ��������ing:

1. ������𳦳���Payments and Transfers > Manage Zelle Settings®
2. �����������Manage��next to the contact method you would like to remove
3. �����������Remove from �ܱ������®
4. Your contact has been removed and you will be directed back to the���ܱ��������settings screen

From the M&T Mobile App:

• From the main menu, tab��Send Money with �ܱ������®��> Settings
• Tap the contact method you’d like to remove
• Tap���ٱ����ٱ�
• �ղ�����Delete Email��or���ٱ����ٱ� Text��to confirm you want to remove this contact

​To send money in this case, you'll need to deposit more money into the account you're sending from or try to send an amount that is lower than the available funds in that account.

​You can view your daily and 30-day limits in the payment screen by selecting the question mark next to Limits. A text box will appear to show the remaining amount available for sending in the current 24-hour period. Send limits are set by M&T ��������.

​From the Zelle Settings screen, click or tap��Block or Unblock Requests.��Enter in the requested information, then click or tap��Block or Unblock.

Your payment will expire if your recipient does not enroll in���ܱ��������within 14 days from when you sent the payment.

If your payment expires, the amount you sent will be deposited back into your account.

You can monitor your payments from the���ܱ������®��Activity menu option in the M&T Mobile ��������ing app or in Online ��������ing.

Make sure that your contact sent the funds using a mobile phone number or email address that you have enrolled in��Zelle.

If not, either enroll the mobile phone number or email address that your contact used or ask your contact to cancel the payment and resend the funds using one of the contact methods that you currently have enrolled.

If the correct contact information was used, please call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

​You can only cancel a payment if the recipient hasn’t enrolled the mobile number or email address you sent money to with Zelle.

If the payment is still pending, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. If your recipient has already enrolled with Zelle, the money is sent directly to your recipient’s bank account and cannot be canceled.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET) for assistance.

​If you suspect an error or an unauthorized payment, please visit your��nearest M&T branch��or call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

First, check your Zelle alert settings to make sure they are set up correctly.

From M&T Online ��������ing:

1. ������𳦳���Settings and��Support > M&T Alerts
2. Scroll down to���ܱ������®��Alerts
3. Confirm or select the alerts you'd like to set and the method you'd like to receive them.
4. �����������Save Changes

From the M&T Mobile app:

1. From the main menu, tap��M&T Alerts
2. Under��Settings > Payment Alerts, tap �ܱ������®
3. Confirm or tap on the alerts you'd like to set and select what method you'd like to receive them
4. �ղ�����Save

If you need assistance with your alert settings, please call M&T Online Customer Service at 1-800-790-9130��(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

​Please call M&T Online Customer Service at��1-800-790-9130��(Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

We suggest only using Zelle to send money to people you know and trust.�� If you don’t know the person you’re purchasing from or you’re unsure if you will receive the item or service being purchased, we suggest using another payment method.

​Please visit your��nearest M&T branch��or call M&T Online Customer Service at 1-800-790-9130 (Monday-Friday 8am-9pm, Saturday-Sunday 9am-5pm ET).

Yes, you can request money from friends and family using a U.S. mobile phone number or email address.

​Yes! Enroll in Zelle through the M&T Mobile ��������ing app or in Online ��������ing using the same email address and/or U.S. phone number that you enrolled to your debit card in Zelle app.

M&T partners with���ܱ��������to offer a unique experience conveniently located in the M&T Mobile ��������ing app and Online ��������ing.

There is also a separate��Zelle��mobile app that is not operated or maintained by M&T �������� or any other financial institution. Instead, it is owned and operated by Early Warning Services LLC. If you use the separate���ܱ��������mobile app, you will be subject to separate terms and conditions not related to M&T.

Upon enrollment in���ܱ��������you will automatically be enrolled in several required alerts. To update your alert settings follow these instructions:

From M&T Online ��������ing:

1. ������𳦳���Settings and Support > M&T Alerts
2. Scroll down to��Zelle Alerts®
3. Select the alerts you'd like to set and the method you'd like to receive them
4. �����������Save Changes

From the M&T Mobile app:

1. From the main menu, tap��M&T Alerts
2. Under��Settings > Payment Alerts, tap �ܱ������®
3. Tap on the alerts you'd like to set and select what method you'd like to receive them
4. �ղ�����Save.

From M&T Online ��������ing:

1. ������𳦳���Payments and Transfers > Manage �ܱ������®��Settings
2. Next to Default Account select��edit
3. Use the drop down menu to select your new default account
4. �����������Save Changes

From the M&T Mobile App:

1. From the main menu, tab��Send Money with �ܱ������®��> Settings
2. Tap on Account under��Default Account
3. Use the drop down menu to select your new default account
4. �ղ�����Save.