How do I activate Zelle at TD Bank ?

With Zelle, mobile users can easily, quickly, and for free send and receive money from their US checking or other accounts. In order to complete the transaction, users simply need the beneficiary’s email address or phone number, plus the amount and sufficient balance in their bank account.
TD Bank offers Zelle as a payment and transfer option through its Send Money with Zelle option. To use Zelle with TD Bank, you need an eligible checking or money market account (most TD Bank accounts are eligible). To make electronic transfers or ACH transactions, your account must be active and enabled.
A valid email address and a unique US phone number are also required. As long as both users (sender and recipient) are enrolled in Zelle, transactions will typically complete within a few minutes.

There is no cost to use Zelle! It might cost a little bit more if you use an affiliated company. Thankfully, this isn’t common in banking. The majority of banks that use Zelle do not charge surcharges or associated fees for using, sending, and receiving funds.

If you want a free and easy way to send money to your friends and family and your bank is affiliated with the app, then yes.
Transfers usually arrive in seconds: However, they are rarely delayed due to a blockage of funds or security concerns.
Zelle allows you to leave cash at home (or in your bank account): You can use the app to pay for anything, from gas to dinner at a restaurant.
Zelle is integrated with hundreds of banks in the United States: This is a lot to say. Even if your bank doesn’t work with Zelle yet, you can still sign up for the app with a debit card.

Zelle has a good part and a not so good part. While using the app, you should keep in mind some limitations, including:
You will not be able to send money outside the United States. In order to use the application, both the receiver and the sender of the transfer must have an American bank account.
You will not be able to forget your phone at home. Technology has made us more dependent on it, but it also makes us more independent. If your phone runs out of data or battery, you may need to use cash or a credit card to pay.
It does not accept credit cards or prepaid cards. There are two ways Zelle can connect with your bank: through the account -when your bank includes Zelle in their platform- and through the debit card affiliation. Credit cards and prepaid cards are not supported by Zelle.
Money transfers are limited. Zelle lets you receive as much as you want per day, month, or year; however, this is not the case on the other side. Each bank has its own limits for outgoing transfers. Chase, for example, maintains a fixed limit of $2,000 per transaction, $2,000 per day, and $16,000 per month. When you have a business account or a premium account, this limit increases a bit. With Citibank, Zelle transactions are limited to $1,000 daily and unlocks are scaled. You should contact your bank to find out what limits apply to your type of account.

Yes, it is. The service offers different levels of online security and allows you to receive or send money without having to divulge your bank information to the sender or recipient.

It is easy to set up a profile for TD Bank online banking. Here are the steps:
TD Bank Visa Debit Card.
E-Mail.
ITIN or Social Security Number.
Bank account number at TD Bank.
Visit this link and select the type of bank account from the list : Personal Account (for personal accounts), Small Business Account (for LLC and small business accounts), or Personal and Small Business Accounts (for customers who have multiple bank accounts).
The bank will ask you to confirm your ownership of the account by checking the checkbox. Click “Continue”. Once you have read, downloaded, or printed the terms and conditions, please check the box to confirm you are willing to sign online and click the “Accept” button that appears at the bottom of the page.
You will then see a short form. Complete it with your information and click continue. 
You need to provide the following information:
Name and surname
Your email address
Account type (checking, savings, etc.)
Credit or debit card number
 Social security number. You can check the “I don’t have a Social Security Number” box if you don’t have one.
Account details
Username (up to 25 characters)
Password (8 to 32 characters)

The answer is yes. Through the “Request” option in TD Bank Online Banking, you can ask someone for a payment or transfer:
Simply select the person you want to send the request to. You can create an account by clicking “Add a new contact”.
Enter the mobile phone number or email address of a new contact to register.
Please enter the amount due, review the amount, and write the reason (for example, “rent payment”).
Click “Submit” if all the data is accurate. The transfer request will be sent to your contact. You will receive an email notification from TD Bank once you make the payment.

You can use Zelle if you’re eating out with friends or if you share a room with a roommate. If you have more than 5 people in your household, TD Bank allows you to split expenses with them. Select the “Split” option in the Zelle section. Online banking and the mobile app both offer the same choice.
After that, select all the contacts you would like to split the bill with. The add contacts option can be used to add someone if they are not on the list. Finish by entering the total amount and, if needed, a different percentage for each person. Write the reason for the payment (for example, “dinner with friends”), and you’re done!
Upon clicking “Submit”, all selected contacts will receive the payment request. TD Bank will automatically deposit the funds into your TD account and you will receive a confirmation.

It doesn’t work at all. Zelle is only available to US citizens, US residents, or foreign nationals living abroad with a US bank account. If you opened an account with TD Bank Canada and live in Canada, you can’t use Zelle to send or receive funds.
However, there are other apps that are suitable for Canadians as well, such as Wealth simple Cash (also free, but with a $500 daily limit) and Wise (formerly known as TransferWise ).

TD Bank also sets limits on sending money with Zelle; this is for security reasons, as well as to comply with the limits of the bank itself or of the bank account associated with the application.
For transfers available in minutes and without a security check, there is a daily limit of $1,000 and a monthly limit of $5,000.
The fee is $2,500 per day or $10,000 per month for non-immediate transfers, that is, transfers scheduled to be available within one business day.
The minimum amount to request money through Zelle is $1. Transaction limits are $1,500 per operation, $2,500 for daily requests, and $10,000 for monthly requests.

We mentioned before that you need an eligible bank account to activate Zelle at TD Bank, that is, a checking or a money market account. You must choose a bank account that satisfies certain requirements, including:
The account must be active. TD Bank does not offer Zelle services if your account has been closed due to inactivity or insufficient funds.
You must be authorized to make payments from the account. This includes ACH transfers and online bank transfers. Because of that limitation, savings accounts are not usually accepted, since they have a monthly movement limit.

Zelle is just one of the many ways TD Bank offers consumers to pay, transfer or send money within the same bank or to other financial institutions :
Electronic transfers between TD Bank customers.
Transfers from TD Bank to other U.S. banks.
Bill payment via mobile app or online banking.
Automatic payment schedules for bills, services, and affiliations.
ACH transfers to international accounts.
Except for transfers abroad and some to accounts in other banks, most of these operations are free.

You’ve done everything correctly, but Zelle still won’t open in the TD Bank app? Don’t panic. This could happen for a number of reasons, and each of them has a ready solution.
You entered a wrong e-mail or phone number -In this case, you will not receive the verification code because you entered a wrong email address or phone number. Make sure you enter the correct details on your home page. If you need to, you can change it at TD Bank.
Notifications are not enabled – Your phone’s operating system may require you to allow notifications for all apps, including the TD Bank app. You would normally receive these notifications anyway. If commercial messages bother you, enable them and opt out.
Your e-mail or phone number may already be linked to a Zelle account with another bank – Sadly, each e-mail or phone number can only be linked to one Zelle account. It might be necessary to deactivate your other bank account first if you previously used Zelle with it.
If none of this helps, you can contact customer support at TD Bank who will be able to assist you. The most effective way to reach them is by calling 1-888-751-9000.

The benefits of Zelle are many: it’s fast, safe, and doesn’t charge any fees. The only downside of this payment service is that there’s a limit to the amount of money you can send in a single day. This varies from bank to bank, and from TD Bank to TD Bank.
There is a daily limit of $1000 for instant transfers. A non-instant transfer (up to three business days) is available if you wish to send more money. For the second type of transfer, the daily limit is $2500 ($1500 per transfer).
The limits are $5000 and $10000, respectively, per month.

Sending money to someone quickly and for free with Zelle is a smart idea. TD Bank’s app allows you to handle all your banking needs from the comfort of your home. Zelle is typically used to split bills with friends, send money to family or pay for local services.