Digital
zelle

Zelle ® is a fast, safe and free1 way to send money to friends and family using the Lone Star National Bank app

We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust.2

How To Start Using Zelle®

Zelle® is available right from our LSNB Mobile Banking app so you don’t need to download anything new to start sending and receiving money!

  • Enroll in the LSNB Mobile Banking app
  • Select "Send Money with Zelle®"
  • Accept Terms and Conditions
  • Select your U.S. mobile number or email address and deposit account
That’s it! You’re ready to start sending and receiving money with Zelle ®.

Using Zelle® is:

  • Fast: Send money directly from your account to theirs, typically in minutes3
  • Safe: Send and receive money with Zelle® right from our LSNB Mobile Banking app2
  • Free: There are no fees to send money with Zelle® from our LSNB Mobile Banking app1

Frequently Asked Questions

Learn more about Zelle®

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1

You can send money to friends, family and others you trust.

Since money is sent directly from your bank account to another person’s bank account within minutes,1 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.

To get started, log in to Lone Star National Bank’s Mobile Banking app and navigate to the “Send Money With Zelle®” tab. To enroll, accept 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 using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter 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 request money using Zelle®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”2 To receive money, just share your enrolled email address or U.S. mobile phone 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 account and will be available typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:
Click on the link provided in the payment notification you received via email or text message.
Select Lone Star National Bank.
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 where you received the notification to ensure you receive your money.

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 bank account to another person’s bank account within minutes,1 Zelle® should only be used to send money to friends, family and others you trust. Neither Lone Star National Bank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the goods or services that you paid for, or the goods or services that you received are damaged or are otherwise not what you expected, neither Lone Star National Bank nor Zelle® will be liable. You do not have the same protections associated with a debit card transaction, such as the ability to dispute purchase transactions. Once you send money with Zelle®, you cannot cancel the payment if your recipient has already enrolled. You agree that you, not Lone Star National Bank or Zelle®, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using Zelle®. This service is intended for sending money to family, friends, and others with whom you trust. You should not use Zelle® to send money to persons with whom you are not familiar, or you do not trust.
It’s easy – Zelle® is already available within Lone Star National Bank’s Mobile Banking app! Check our app and follow a few simple steps to enroll with Zelle® today.
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.
When you enroll with Zelle® through your LSNB Mobile Banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Lone Star National 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 Lone Star National Bank of the incoming payment, then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender’s and recipient’s bank accounts must be based in the U.S.

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. If you do not see this option available, please contact Lone Star National Bank’s Customer Service team at (800) 580-0322 for assistance with canceling the pending payment. This is why 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 when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call Lone Star National Bank’s Customer Service department at (800) 580-0322 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Lone Star National Bank but are a separate service from Zelle® and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.1

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call Lone Star National Bank’s Customer Service department at (800) 580-0322.

Yes! They will receive a notification via email or text message.

 

Keeping your money and information safe is a top priority for Lone Star National Bank. When you use Zelle® within our LSNB Mobile Banking app, your information is protected with the same technology we use to keep your bank account safe.
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® 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 Lone Star National Bank nor Zelle® offers a protection program for any authorized 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. Neither Lone Star National Bank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the goods or services that you paid for, or the goods or services that you received are damaged or are otherwise not what you expected, neither Lone Star National Bank nor Zelle® will be liable. You do not have the same protections associated with a debit card transaction, such as the ability to dispute purchase transactions. Once you send money with Zelle®, you cannot cancel the payment if your recipient has already enrolled. You agree that you, not Lone Star National Bank or Zelle®, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using Zelle®. This service is intended for sending money to family, friends, and others with whom you trust. You should not use Zelle® to send money to persons with whom you are not familiar, or you do not trust.

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

  • 1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
  • 2 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
  • 3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
  • Copyright © 2025 All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.