How to Send Money Safely to Anyone With the OnPath Mobile App

Splitting a dinner bill, sending money to a sibling or friend to cover your portion of a gift purchase, paying back a coworker, or sending money for any other reason is easy with Zelle®.

Zelle® lets you send and receive money in minutes using just a U.S. mobile number or email address. There is no separate app to download or wallet to transfer money in and out of.

It is fast and convenient. The key is using it the right way.

How Sending Money Works in the OnPath Mobile App

Zelle® is available directly inside the OnPath Mobile app. Once you are logged in, you can:

• Select Zelle®
• Choose or add a recipient using their email address or U.S. mobile number
• Enter the amount
• Review the details and send

If the person you are sending money to is already enrolled with Zelle®, the funds are typically available to them within minutes. If they are not yet enrolled, they will receive instructions on how to register and claim the payment.

Because transactions move quickly, it is important to review everything carefully before hitting send.

When Zelle® Makes Everyday Life Easier

Zelle® works best for simple, everyday situations with people you know and trust. Common uses include:

• Splitting the cost of a meal, gift, or trip
• Paying your share of household expenses
• Sending money to a family member
• Reimbursing a friend

There is no need to carry cash, write checks, or wait for someone to deposit a payment.

How to Double-Check Before You Send

Because Zelle® payments are typically processed quickly, taking a few extra seconds to review your information can prevent mistakes.

Before you confirm a payment:

• Make sure the recipient’s name matches the person you intend to pay
• Double-check the email address or mobile number
• Review the dollar amount carefully
• Confirm you are sending from the correct account

If anything looks off, pause and verify with the person directly. A quick text or call can prevent confusion later.

What Happens If You Send Money to the Wrong Person?

Mistakes happen. What you can do next depends on the situation.

If the recipient has not yet enrolled with Zelle®, the payment may show as pending. In some cases, you may be able to cancel it through the app before it is claimed.

If the recipient is already enrolled, the money is typically deposited quickly. At that point, it may not be possible to reverse the transaction. If this happens, contact OnPath as soon as possible to discuss your options.

When Not to Use Zelle®

Zelle® is designed for sending money to people you know and trust. It is not intended for paying strangers or making purchases from someone you have never met. Avoid using it for:

• Online marketplace purchases from unknown sellers
• Deals that feel rushed or pressured
• Situations where someone asks you to send money to “fix” a problem or reverse a payment

If you are unsure, it is better to contact OnPath before sending money.

Simple Ways to Protect Your Account

Using Zelle® safely also means protecting your login information.

• Keep your username and password private
• Use a strong password
• Do not share verification codes sent to your phone
• Be cautious of unexpected messages asking for account details

If something does not seem right, reach out to OnPath directly instead of responding to a suspicious message.

An Easier Way to Send and Receive Money

With Zelle® built into your OnPath Mobile app, you can move money directly from your bank account to the other person’s bank account without transfer fees or needing to fund or cash out a wallet in a separate app. That keeps everything in one place and reduces the number of accounts and logins you have to manage.

Become a member of OnPath Credit Union today and take advantage of great yields on savings and checking, competitive rates on all types of loans, and a dependable, highly rated mobile app.