The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine FWCCU send limits, call our customer service at 813-643-5572.
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.
[Note: Options are Yes or No – Check with your legal department to determine which to use and that EWS doesn't dictate fees.]
No: No, [FI Name] does not charge any fees to use Zelle®. Your mobile carrier’s messaging and data rates may apply.
Yes: [FI Name] does not charge fees to send or receive money with Zelle®, but there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. Your mobile carrier’s messaging and data rates may apply.
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 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 member services at 813-643-5572 so we can help you.
To use Zelle®, the sender and recipient's bank accounts must be based in the U.S
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
We do not accept utility payments at any of our branch locations.
If your wallet has been lost or stolen, take the following actions:
- Report your lost or stolen Credit Union Visa Debit card by calling 1-800-472-3272
- Report your lost or stolen Credit Union Visa Credit card by calling 1-800-991-4961
- Call the three major credit reporting agencies (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 and Trans Union: 1-800-680-7289) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
- Notify the SSN national fraud hotline at 1-800-269-0271.
- File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.
Yes. Visit the Forms & Applications page to download incoming and outgoing wire transfer instructions
The daily purchase limit for the VISA debit card is $3,000 and $1,000 for ATM cash withdrawals.