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Send and receive money with Zelle®

When timing is everything – send money with Zelle®. A fast, safe and easy way to send money to friends and family – free in your SMB Online. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

Fast and Secure
Send and receive money in moments1 while keeping your account information private.
Send money to friends and family. All you need is a U.S. mobile number or email.
Zelle® is free in your SMB Online. Access it online and in your mobile app.

What is Zelle®?

Get Started

Log in to SMB Online and tap
"Send Money with Zelle®".

Get our app   Log in now

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Send money

  1. Tap “Send Money with Zelle®” and then “Send”.
  2. Add your recipient.
  3. Enter the amount and select your account.
  4. Add a note if you'd like and tap “Send Money". 

Receive money

  1. If you're already enrolled with Zelle®, there's nothing more to do. Money sent to you will go directly to your account. If not yet enrolled, follow these instructions:
  2. Tap “Send Money with Zelle®” and then “Request”.
  3. Select from recent recipients or add new.
  4. Check your text messages or email for a one-time code, so we can confirm it’s you.
  5. Next time someone sends you money, it will be available in your account within minutes.

Frequently Asked Questions

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
It’s easy — Zelle® is already available within the SMB Online mobile app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

Not available for businesses.
When you enroll with Zelle® through SMB Online, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Southwest Missouri Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Southwest Missouri Bank of the incoming payment. Southwest Missouri Bank then directs the payment into your Southwest Missouri Bank account, all while keeping your sensitive account details private.
You can send money to friends, family and others you trust1 even if they have a different bank or credit union.

Since money is sent directly from your Southwest Missouri Bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

View all FAQs

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.