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All you need is an email or U.S. mobile number. Your account information and activity stay private.
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You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website..
To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
Zelle®
Send and receive money with Zelle® in minutes.*
You already have access to Zelle® in the Yolo FCU Mobile App.
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Pay with Zelle®
Zelle® is a convenient way to send and receive money with friends, family, and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle® makes it easy to pay your share. Over 100 million people are enrolled with Zelle®, so you can send money to friends and family even if they don’t bank at Yolo Federal.
Why use Zelle® ?
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Convenient
Zelle® is available in Yolo FCU Mobile Baking, so there’s no need to download another app.
Fast
Money goes straight into your account and is available to use in minutes.*
Fast
Money goes straight into your account and is available to use in minutes.*
Private
All you need is an email or U.S. mobile number. Your account information and activity stay private.
Change your PIN
122132112312
Convenient
Zelle® is available in Yolo FCU Mobile Baking, so there’s no need to download another app.
Enroll with Zelle® in 3 easy steps
You’re ready to start sending and receiving money with Zelle®. Zelle® transactions show up in your Checking Account activity, so you can easily keep track of your money.
Next time you need to send money, use Zelle®!
Log into the Yolo FCU
Mobile Banking App
From the quick launch menu, select "Move Money," then tap "Zelle®."
Enroll your email address
or U.S mobile number.
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Frequently asked questions
How do I use Zelle®?
You can send, receive, or request money with Zelle®. To get started, log into the Yolo Federal Mobile App. From the quick launch menu at the bottom of the screen, select "Move Money," then tap "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 their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct 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 Yolo Federal account, typically within minutes.
If someone sent you money with Zelle® and 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 Yolo Federal Credit Union.
- 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.
Is my information secure?
Keeping your money and information secure is a top priority for Yolo Federal. When you use Zelle® within our Mobile App your information is protected with the same technology we use to keep your Yolo Federal account safe.
Who can I send money to with Zelle®?
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. *
Since money is sent directly from your Yolo Federal account to another person's bank account within minutes*, Zelle® should only be used to send money to friends, family 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).
Can I pay a small business with Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the Yolo Federal Mobile App using just their enrolled email address, U.S. mobile number, or Zelle® tag.
Does Yolo Federal or Zelle® offer purchase protection?
Neither Yolo Federal Credit Union 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.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Can I reverse or cancel a payment?
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 Center at (877) YOLOFCU (965-6328) for assistance with canceling the pending payment.
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 Center at (877) YOLOFCU (965-6328) to determine what options are available.
Are there any fees to send money using Zelle®?
No, Yolo Federal does not charge any fees to use Zelle® in our mobile app. Your mobile carrier's messaging and data rates may apply.
I believe I’ve been a victim of a scam. Who should I contact?
Please contact our Member Service Center at (877) YOLOFCU (965-6328). Qualifying imposter scams may be eligible for reimbursement.
What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
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 time.
How do I use a Zelle® QR code?
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 Yolo Federal Mobile App. From the quick launch menu, select "Move Money," then tap "Zelle®." 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 Yolo Federal Mobile App. From the quick launch menu, select "Move Money," then tap "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.
Have questions? We are here to help.
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Meet Penny! Your virtual assistant, here to help you 24/7:
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Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
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Skip the line, schedule appointment:
Meet us at one of our branches or schedule a call
Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer, or El Dorado counties is eligible for membership.
Sacramento, Placer, or El Dorado counties is eligible for membership.
Everyone who lives, works, worships, or attends school in Yolo, Sacramento, Placer, or El Dorado counties is eligible for membership.
Disclosures
* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
