To begin the process, simply log into your Digital Banking. We'll guide you from setup to payments.Follow these easy steps. Funds are sent directly to the recipient's account in a matter of minutes¹, and all you need is the recipient's email address or U.S. mobile phone number. Businesses can use a zelle business account to request or receive funds directly. Zelle is an easy way to send money directly between almost any US bank accounts typically within minutes.