Send money in minutes with Zelle^®.

Zelle^® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.⁴

State of Hawaii, Guam, and Saipan consumer checking accountholders 18 years of age or older can use Zelle^® to send funds to a bank account in the U.S. Zelle^® is not available to business accountholders or Palau accountholders.

You can send, request, or receive money with Zelle^®. To get started, log into the Bank of Hawaii Mobile and Online Banking App and select Zelle^® located on the bottom navigation menu. Confirm your email address or U.S. mobile number to receive a one-time verification code. Once you enter the verification code, you’re ready to start sending and receiving money with Zelle^®.

The amount of money you can send, as well as the frequency, is set by each network financial institution. To determine Bank of Hawai’i send limits, refer to the Bank of Hawaii Mobile and Online Banking Zelle Payments Supplement and Terms of Use for more information.

At Bank of Hawaii, 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^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor. Since money is sent directly from your Bank of Hawaii funding 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).

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 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 Bank of Hawai’i funding account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Bank of Hawaii.
3. 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.

To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”.

If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

The money sent with Zelle^® is typically available to an enrolled person within minutes¹. To ensure the payment moves as quick as possible, ask your friends and family to enroll with Zelle^® before you send them money. In some cases, the payment could be delayed for your protection—for example—if Zelle^® or Bank of Hawaii suspect fraudulent activity is taking place.

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 auction or sales site), you should not use Zelle^® for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Bank of Hawaii 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. Bank of Hawaii recommends not to use Zelle^® to purchase items from an online marketplace.

Keeping your money and information safe is a top priority for Bank of Hawaii. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your Bank of Hawaii account safe.

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. If your recipient has not yet enrolled with Zelle^®, the payment will remain pending, and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will be automatically cancelled.

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

No, Bank of Hawaii does not charge any fees to use Zelle^® in the Bank of Hawaii mobile app. Your mobile carrier’s messaging and data rates may apply.

You can use Zelle^® with Bank of Hawaii, but you will need to transfer your enrollment from your other banking app.

If you’re currently enrolled with Zelle^® in the BOH Mobile Banking app and would like to cancel your enrollment, please contact our customer service center at 808-643-3888 or toll-free at 1-888-643-3888.