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How to enroll and send money
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Open the SECU of Maryland mobile app, or sign in to SECU online banking.
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In the app, open the main menu and choose Transfers & Payments, then Send money with Zelle®.
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Enroll the email address or U.S. mobile number you want to associate with Zelle. Follow the prompts to verify it and accept the terms.
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Choose Send, select a contact or enter the recipient’s enrolled email address or U.S. mobile number, and enter the amount. Review the recipient and payment details before sending.
SECU’s instructions cover personal accounts and eligible small-business accounts. If Zelle does not appear for your small-business account, contact SECU to check eligibility.
How to receive or request money
Receive a payment
Share the email address or U.S. mobile number enrolled with Zelle. If someone sends a payment notification before you enroll, follow the link in the notice, select SECU, and enroll using the same email address or mobile number that received it.
Request a payment
Choose Request, enter the recipient’s enrolled email address, U.S. mobile number, or Zelle tag, verify the recipient, and submit the request.
Use a QR code
In the Zelle section of the app, choose Send and tap the QR icon. Select My Code to view or share your code. Before sending to someone whose code you scan, confirm that the name shown in the app matches the person you intend to pay.
Eligibility, fees, and transfer timing
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SECU says members pay no fee to use Zelle in its app. Your mobile carrier may charge messaging or data fees.
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Both sender and recipient need eligible U.S.-based checking or savings accounts. As of March 31, 2025, Zelle requires enrollment through a participating bank or credit union. SECU of MD appears in Zelle’s participating-institution directory; if the recipient’s institution is not listed, SECU recommends using another payment method.
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SECU says payments to enrolled users typically arrive within minutes. That is not a guaranteed delivery time.
A May 17, 2024 SECU announcement reported limits of $2,400 per day and a maximum of $4,000 per month. Those figures are historical, not confirmed current limits. Check the limit shown in the app or contact SECU before relying on a particular amount.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Know the risks before you send
Use Zelle with people and small businesses you know and trust—not to pay an unfamiliar seller on an online sales or bidding site. SECU warns that neither it nor Zelle offers purchase protection if an item does not arrive or is different from what was promised.
Review the recipient’s name and enrolled email address or mobile number before confirming. A payment sent to an already-enrolled recipient goes directly to that person’s account and generally cannot be canceled. You can cancel a pending payment only if the recipient has not enrolled. If you sent money to the wrong person, contact SECU promptly at 800-879-7328. SECU says qualifying imposter scams may be eligible for reimbursement; that does not mean every scam or payment dispute qualifies.
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Using Zelle for an eligible small business
SECU says eligible small-business accounts can send, receive, and request money through the app or online banking. To accept customer payments, share the email address or U.S. mobile number enrolled with Zelle. SECU charges no fee for small-business Zelle use, although carrier messaging and data charges may apply. Contact member support if the Zelle option is missing from your account.
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