benchmark community bank
Frequently Asked Questions
Q: What is Zelle®?
A: Zelle® is a fast, safe, and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you.1 All you need is your recipient's email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes1. No account numbers are shared.
Q: What are the requirements to use Zelle® at Benchmark?
A: The requirements for using Zelle® at Benchmark are:
- You must have a deposit account in good standing.
- You must be at least 18 years of age.
- The service is intended for personal use, not business or commercial use.
- You agree that you will not use the Service to send or receive payments in connection with a purchase/sale of goods.
To learn more about Zelle® at Benchmark, please see our Zelle Terms and Conditions.
Q: How do I use Zelle®?
A: You can send, request, or receive money with Zelle®. To get started, log into the BCB Mobile app or Internet Banking. From the menu bar, select "More" and 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," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.2
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 Benchmark Community Bank 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 Benchmark Community 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 to ensure you receive your money.
Q: Is my information secure?
A: Keeping your money and information safe is a top priority for Benchmark Community Bank. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Benchmark Community Bank account safe.
Q: Who can I send money to with Zelle®?
A: 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 Benchmark Community Bank account to another person's bank account within minutes1, 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).
Neither Benchmark Community Bank 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.
Q: Someone sent me money with Zelle®. How do I receive it?
A: If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1. 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 Benchmark Community 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 to ensure you receive your money.
Q: I believe I've been a victim of a scam. Who should I contact?
A: Please contact our customer support team at your local branch. Qualifying imposter scams may be eligible for reimbursement.
Q: Are there any fees to send money using Zelle®?
A: No, Benchmark Community Bank does not charge any fees to use Zelle®. Your mobile carrier's messaging and data rates may apply.
Q: Are there any limits for sending and receiving money with Zelle®?
A: The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Benchmark Community Bank's send limits, call our customer service team at your local branch.
At Benchmark Community Bank, 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.
Q: What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?
A: You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's bank or credit union 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.
Q: Can I use Zelle® internationally?
A: In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Q: Can I reverse or cancel a payment?
A: 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 customer support team at your local branch 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 customer support team at your local branch so we can help you.
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 us at (434) 676-2666 so we can help you.
Q: How long does it take to receive money with Zelle®?
A: Money sent with Zelle® is typically available to an enrolled recipient within minutes1.
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 move directly into your recipient's account, typically within minutes1.
If your payment is still 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 give the Benchmark Community Bank customer support team a call at (434) 676-2666 or get in touch through our support page.
Q: Will the person I send money to be notified?
A: Yes! They will receive a notification via email or text message.
Q: I'm unsure about using Zelle® to pay someone I don't know. What should I do?
A: If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an on-line 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). Zelle® does not offer 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. Benchmark Community Bank also does not offer a protection program.
Q: What if I get an error message when I try to enroll an email address or U.S. mobile number?
A: Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Benchmark Community Bank so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Benchmark account so you can start sending and receiving money with Zelle® through the BCB Mobile app and Internet Banking. Please call Benchmark's customer support at (434) 676-2666 for help.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
2Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
