Here are the step-by-step instructions:

    1    Log in to your bank's mobile app or online banking: to access Zelle. 

    2    Navigate to the Zelle section: by looking for options like "Send Money with Zelle" or "Pay & Transfer". 

    3    Select a recipient: from your contacts or by entering the recipient's email address. 

    4    Enter the amount: you wish to send and add an optional note if desired. 

    5    Review: the transaction details to ensure they are correct. 

    6    Tap "Send": to complete the payment. 

If your bank isn't a partner, you can still use Zelle by downloading the standalone Zelle app, but you'll need a U.S.-based bank account, a U.S. mobile number, an email address, and a valid U.S.-based debit card.