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SCAM ALERT: Scams involving spoofed numbers and the impersonation of local bank employees to obtain customer information are on the rise. PLEASE DO NOT PROVIDE PASSWORDS OR DEBIT CARD PIN NUMBERS. WE WILL NEVER ASK FOR THIS INFORMATION. If you receive a suspicious phone call or text message, please use caution and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

Zelle® FAQs

Zelle® is a convenient way to send, receive, and request 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 enrolled email address or U.S. mobile number, and money will be available to use in minutes. Your account information and activity stay private. Zelle® is currently live in more than 2,300 Financial Institutions, so you can send money to friends and family even if they don’t bank at Central Bank.1

You can send, receive, or request money with Zelle®. To get started, log into the CentralMOBILE app or CentralNET online banking. Select the Transfer & Pay tab. Under the Payments section, 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, enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap Request. 

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 Central Bank 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 Central Bank.

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.

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

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 Central Bank 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).

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 within our CentralMOBILE app or CentralNET online banking using just their enrolled email address, U.S. mobile number, or Zelle® tag.

Neither Central Bank 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.

Please contact our customer support team at (859)253-6222. Qualifying imposter scams may be eligible for reimbursement.

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 customer support team at (859)253-6222 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 within our CentralMOBILE app or CentralNET 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 customer support team at (859)253-6222 to determine what options are available.

No, Central Bank does not charge any fees to use Zelle® in the CentralMobile app.

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

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Central Bank send limits, call our customer service at (859)253-6222.

At Central Bank, 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.

As of March  31, 2025, all users must be enrolled through one of the more than 2,300 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 Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

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 into the CentralMobile app, 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 into the CentralMobile app, 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.

1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

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