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 neighbor.¹

Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle^® should only be used to send money to friends, family, and others you know and 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).

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Neither MB&T nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

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

No, Zelle^® payments cannot be reversed.

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 Service Center at (805) 963-7511 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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 know and 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 Service Center at (805) 963-7511 to determine what options are available.

At MB&T, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Montecito Bank & Trust send limits, call our Service Center at (805) 963-7511.

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

Zelle® QR code provides peace of mind, knowing you can send and receive money to the right person without typing an email address or U.S. mobile number.

To locate your Zelle® QR code, log in to the MB&T Mobile and click “Send Money with Zelle®.” Next, go to your “Zelle® settings” and click “Zelle® QR code,” and your QR code will be displayed under “My Code.” From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.

To send money, log in to the MB&T Mobile, click “Send money with Zelle®,” click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Please contact our Service Center at (805) 963-7511. Qualifying imposter scams may be eligible for reimbursement.

Zelle® is a fast, safe and easy way for small businesses to send, receive and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your bank account with just your email address or U.S. mobile number.

Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to the “Send Money with Zelle®”. To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you’re ready to start sending and receiving with Zelle®.

To send money with 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.” In most cases, the money is available to your recipient in minutes.¹

To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

To request money using Zelle® with a small business account, click “Send Money With Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” If the individual you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the individual has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.²

There are a few ways you can encourage your customers to pay you with Zelle®:

• Tell customers verbally that you accept payments with Zelle® and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®.”
• Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).²

Neither nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, MB&T does not charge any fees to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply.

Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to MB&T’s online banking or mobile app. Select Zelle® from the bottom ribbon in the MB&T mobile app. If you don’t see Zelle®, please call our customer support team at (805) 963-7511.

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

No, Zelle® payments cannot be reversed. 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 Service Center support team at (805) 963-7511 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 know and 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 Service Center support team at (805) 963-7511 to determine what options are available.

Zelle® QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle® QR code, log in to the MB&T Mobile. Select Zelle® from the bottom ribbon in the MB&T mobile app. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.

To send money, log in to the MB&T Mobile. Select Zelle® from the bottom ribbon in the MB&T Mobile app. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Please contact our customer support team at (805) 963-7511. Qualifying imposter scams may be eligible for reimbursement.

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