You can send, request or receive money with Zelle^®. To get started, log into APGFCU Online Banking or Mobile App. In the main menu, select "Transfer and Pay." Then "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 the enrolled email address, U.S. mobile number or Zelle^® tag, enter the amount 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 Aberdeen Proving Ground 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 Aberdeen Proving Ground.
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.

Keeping your money and information secure is a top-priority for APGFCU. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.

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 APGFCU account to another person’s bank account within minutes,¹ Zelle^® should only be used to send money to family, friends 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).

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.

Neither APGFCU 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.

In order to use Zelle^®, the sender and recipient’s bank accounts 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 member service team at 410-272-4000 or 800-225-2555 to determine what options are available.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or 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 member service team at 410-272-4000 or 800-225-2555 to determine what options are available.

No, APGFCU does not charge any fees to use Zelle^® in the APGFCU mobile 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 APGFCU send limits, call our Member Service Center at 410-272-4000 or 800-225-2555.

At APGFCU, 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^® 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 in to the APGFCU mobile app and 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 in to the APGFCU mobile 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.

Please email through a secure email through Online Banking or the Mobile App. Or, call our Member Service Center at 410-272-4000 or 800-225-2555. Qualifying imposter scams may be eligible for reimbursement.

Zelle^® is a fast, safe and easy way for small businesses to send, receive and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your APGFCU business bank account with just your email address or U.S. mobile number.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into APGFCU Online Banking or Mobile App and navigate to the "Send Money with Zelle^®". To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you're ready to start sending and receiving with Zelle^®.

To send money with 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.” In most cases, the money is available to your recipient in minutes.¹

To receive money using Zelle^® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

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.”

There are a few ways you can encourage your customers to pay you with Zelle^®:

• Tell customers verbally that you accept payments with Zelle^® and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®.”

Use Zelle^® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).²

Neither APGFCU 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.

No, APGFCU does not charge any fees to use Zelle^®. Your mobile carrier’s messaging and data rates may apply.  

Eligible small business accounts can send, receive or request money with Zelle®. To get started, log into APGFCU Online Banking or Mobile App and locate "Send Money with Zelle^®", in the app. If you don’t see Zelle^®, please call our member service team at 410-272-4000 or 800-225-2555 to determine what options are available.

In order to use Zelle^®, the sender and recipient’s bank accounts 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 small business or consumer 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 call our member service team at 410-272-4000 or 800-225-2555 to determine what options are available.

If you send money to a small business or consumer who 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 our member service team at 410-272-4000 or 800-225-2555 to determine what options are available.

Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number. To locate your Zelle^® QR code, log into the APGFCU mobile app. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle^® QR code.

To send money, log into the APGFCU mobile app. 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.

Please email through a secure email through Online Banking or the Mobile App. Or, call our Member Service Center at 410-272-4000 or 800-225-2555. Qualifying imposter scams may be eligible for reimbursement.

Keeping your money and information secure is a top-priority for APGFCU. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.