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Digital Banking

Zelle®

Send and receive money quickly and easily with Zelle®.

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Logo of Montecito Bank and Trust and Zelle.


We partnered with Zelle® to bring you a fast, safe, and easy way to send and receive money with friends, family, and other people you trust1. Zelle® is available through MB&T Online Banking and the MB&T Mobile app, so you don't need to download anything new to start sending and receiving money!

How to Start with Zelle®

  1. Log in to Online Banking and click "Payments" then "Send Money from Zelle®"

  2. Accept Terms and Conditions

  3. Select your U.S. mobile number or email address and deposit account

That's it! You're ready to start sending and receiving money with Zelle®.

Using Zelle® is:

Fast

Send money directly from your account to theirs, typically in minutes.2

Safe

Send and receive money with Zelle® right from Bill Pay online or our mobile banking app.1

Free

There are no fees to send money with Zelle® from our online or mobile banking app.3

Fast

Send money directly from your account to theirs, typically in minutes.2

Safe

Send and receive money with Zelle® right from Bill Pay online or our mobile banking app.1

Free

There are no fees to send money with Zelle® from our online or mobile banking app.3

Download our mobile app to get started today!

Button logo of Download on the App Store. Button logo of GET IT ON Google Play.

Frequently Asked Questions

Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes2. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.

You can send money to friends, family, and others you trust1.

Since money is sent directly from your bank account to another person's bank account within minutes2, 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.

You can send, request, or receive money with Zelle®.

  1. To get started, log into online banking or your mobile app, navigate to "Bill Pay | Zelle®" and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle®.
  2. To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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 minutes2.
  3. 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"4.
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.
  1. Must have a bank account in the U.S. to use Zelle®.
  2. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
  3. Mobile network carrier fees may apply.
  4. In order to send payment or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., Google Play, the Google Play logo, Android, and Android Pay are trademarks of Google Inc.