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 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 . *See Disclaimer

FAQs Archive - Page 4 of 13

Q: How do I get started?

It's easy — Zelle ® is already available within the Trustco Bank mobile app! Check our app and follow a few simple steps to enroll with Zelle ® today. *See Disclaimer

Q: How do I use Zelle®?

You can send, request, or receive money with Zelle ® . To get started, log into Trustco Bank's mobile app and select "Payments" then "Send Money with Zelle ® ". Following the prompts, enter the information requested, accept the terms and conditions, and you're ready to start sending and receiving 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 phone number), add 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 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 . 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 mobile phone number. 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 Trustco Bank account, typically within minutes 1 . *See Disclaimer

Q: The following check types should not be submitted using the Mobile Deposit function:

Checks payable to any person or entity other than you Foreign checks Savings bonds Money orders Traveler's checks

Q: What is the cost for using Mobile Deposit?

There is no cost to make a deposit using the Mobile Deposit Function.

Q: Are there limits for deposits made using the Mobile Deposit function?

There is a daily limit of 10 deposits and a maximum amount of $3,000 total. There is a monthly limit of 25 deposits and a maximum amount of $12,000 total.