Send money with Zelle to friends, family, and others you trust.

Quick. Safe. Secure.

Zelle is a fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the Osgood Bank mobile app.

Send money fast with Zelle


Send money directly from your account to theirs — typically in minutes1.

Securely Send Money With Zelle


Send or receive money right from your Osgood Bank app without giving out account information.

Send and receive money easily with Zelle


Send money to almost anyone you know and trust2 using just an email address or U.S. mobile phone number.

Zelle® is fast, easy and contact-free

A safe way to send money to friends and family in minutes 1

Zelle® is a fast and easy way to send money using your mobile banking app or online banking account.


Getting Started is Easy

  1. Log into the Osgood Bank app.

  2. Tap "+" at the bottom of the screen, then select the Zelle icon.

  3. Enroll your U.S. mobile number or email address.

  4. Send money to friends, family and others you know and trust.

    Whether it’s skipping a trip to the ATM or simplifying splitting the tab, Zelle is a quick easy way to safely send and request money in a matter of minutes. All you need is the recipient’s email address or U.S. mobile phone number and Zelle takes care of the rest.
Send money with Zelle


Send money fast in just a few steps.

Receive money easily with Zelle


No more worrying about asking someone when they’ll pay you back. 

Split expenses easily with Zelle


Quickly and easily split the check for dinner, coffee, birthdays, and more.

Get Answers To FAQs About Using Zelle With Osgood Bank

What are the benefits of using Zelle?

It doesn't cost anything.  Neither Osgood Bank nor Zelle doesn't charge fees to send or receive money through this service. 

Fast. Zelle transfers typically arrive within minutes1 so neither party has to wait for their money.

Convenient. In an increasingly cashless world, you have the ability to pay the babysitter, split the restaurant bill, and more without worrying about finding the nearest ATM.

Compatible with different financial institutions. Osgood Bank is one of many financial partners in the Zelle network that can transfer money to one another seamlessly.

Someone sent me money with Zelle. How do I receive it?

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:

  1. Click on the link provided in the payment notification you received via email or text message. 
  2. Select Osgood Bank.
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification- you should enroll with Zelle using the same email address or U.S. mobile phone number to ensure you receive your money.

What types of payments can I make with Zelle?

Zelle is a great way to send money to friends, family, and people you are familiar with such as a personal trainer, babysitter, or neighbor2.

Some small businesses are able to receive payments with Zelle. If they do, you can pay them directly from your mobile banking app using their email address or U.S. mobile number. 

If you don't know the person you wish to send money to, or you aren't sure you will get what you paid for (for example, items bought from an online bidding or sale site), you should not use Zelle for those types of transactions. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Osgood Bank nor Zelle offers a protection program for any authorized payments made with Zelle - for example, if you did not receive the item you paid for or the item is not as described or expected.  

What if I get an error message when I try to enroll an email address or U.S. mobile phone number?

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 at 419.582.2681 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account so you can use Zelle at Osgood Bank. 

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your account at Osgood Bank so you can start sending and receiving money with Zelle.

Can I cancel a payment?

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire and the transaction will need to be initiated again. 

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. This is why it's important to only send money to people you trust, and always ensure you've use  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, call our customer support team at 419.582.2681 so we can help you.

1Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle

2Must have a bank account in the United States to use Zelle

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.