1. Open and log in to the Civic mobile app
2. At the bottom of the Accounts page, tap Link and View External Accounts
3. Tap Get Started
4. Select the institution to link the external account from
5. The Link Accounts screen Verify tab will display
6. Enter the external account’s online banking login credentials
7. Tap the Submit button
8. The Link Accounts screen Verify tab will display, and account information will load
9. Tap the Close button to add the external account

1. Log into online banking
2. On the Dashboard, click Get Started under Aggregate your accounts to view accounts at other institutions
3. Click Get Started
4. Search and select the institution to link the external account from
5. Enter the external account’s online banking login credentials
6. Click Submit button
7. The Link Accounts screen Verify tab will display, and account information will load
8. Click the Close button to add the external account

To completely remove an external account and its data, click the Delete (trash can) icon.

- Chat with us, weekdays 8 a.m. to 6 p.m. EST.
- Call us at 844.77CIVIC (844.772.4842), available 24/7, including holidays.

No, adding cash using the in-app barcode is fee-free for Civic members.

There are more than 50 retailers nationwide that can add cash for you. Some local options include CVS, 7-Eleven, Dollar General, Family Dollar, Game Stop, Walgreens, and more. See a map of local retailers.

You must load at least $20, and you can add as much as $500 or $1,000 per transaction, depending on the retailer. The maximum limit per day is $2,500 per person.

You’ll receive a receipt from the retailer. Make sure you keep the receipt as your proof until the money is in your account.

Funds may take up to an hour to appear in your account.

Yes, that's right! Here's how it works: Anytime you get charged an ATM fee, we'll reimburse your account, up to $20 each month. Give us about two days, and you'll see the fee reimbursement show up in your account.

Yes, the same $25 you deposit when you open your new Select Savings Account is also the minimum amount required to maintain your account.

Each account owner gets their own debit card. That way, each person has the flexibility to use Civic the way they like. Want your card to go further? Link it to a digital wallet like Apple Pay^®, Samsung Pay^®, or Google Pay^®.

If you have a Civic savings account but not a Civic checking account, you can request a debit card that allows you access to your funds. Contact the Experience Center to request a debit card at 844-772-4842.

The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.

Bill Pay is available on the Civic mobile app and online banking. In the menu under Transfers & Payments, click or tap Pay Bills.

Standard Electronic and Standard Check Bill Pay payments are available to Civic members for free. Same-day Rush Electronic payments or next-day Expedited Check Payments, when available, may be selected for a $20 fee.

Click or tap Add a Payee. Select if you are paying a business or a person

For paying a business: Enter the Name of Business, the Zip Code, select a Default Funding Account, and click or tap the Next button.

For paying a person: Enter the Payee Name, select a Payment Method, and click or tap the Next button. Then, enter the payee’s Address, Phone Number, Nickname, and click or tap the Add Payee button.

In Bill Pay, click or tap “Scheduled” for scheduled payments and “History” to view past payments.

Click or tap the delete (trash can) icon to cancel a single or recurring payment. You will have the option to cancel the next payment or cancel all payments

- Send us a secure message in your Civic app or online banking.

- Call us at 844.77CIVIC (844.772.4842), available 24/7, including holidays.

Whether traveling or completing an online purchase, use the Travel Plan function within Control+ to allow international transactions on your card(s). Just set the start date, end date, and location of your travel. Note: To update or remove a travel plan, contact Civic directly.

• Card number
• Mailing address on file with Civic
• ZIP code
• Expiration date
• CVV/CVC code

For extra security, Secondary authentication includes:

• Security token number sent in an email
• Last 4 digits of SSN (TIN/EIN for businesses)

Important FYI: Multiple individuals can register the same card as long as they know the card details. Example: Multiple individuals registering one card can include a parent/child, or employer/employee

Turn your card(s) “off” or “on” using the Lock and Unlock icon within Control+. When locked, no transactions will be approved on your card. Note that any previously authorized transaction will still clear your account.

Yes; all debit and credit cards are eligible to be registered within Control+.

Multiple cards from Civic can be linked to one registered Control+ account. Additional cards can be added right from the home screen (Card Details screen); swipe to find the Edit and Add Cards function.

No. Only Civic debit and credits cards can be used within Control+.

No, this is free to all cardholders who have mobile banking log-in credentials.

You can remove your card(s) from within the Control+ app at any time.

No, business cards are not eligible for digital issuance.

Yes! The temporary digital version of your card is valid from 30 days from issuance. Once you activate your physical card, your digital wallet will automatically update your card details.

Right from the start, we encourage you to designate one or more of your accounts as overdraft options, for a nominal charge of just $0.50. That way, if a charge cannot be covered – and there’s money available in a designated account - we’ll move what’s needed to cover the charge. This important overdraft protection step prevents eliminates any insufficient funds fees. So, when you select overdraft protection options, you can use a savings, money market, personal line of credit, or another checking account. And you can combine options together, too.

If a charge comes through your account and your balance cannot support the charge, we can transfer exactly the amount that’s needed to cover the charge from your designated overdraft account. To set up this service, contact the Experience Center.

Yes! We’ve got options when you want to go old-school. If you need checks, you can order them through online banking or in your Civic app. If you need assistance, you can also send a secure message to us, or call us at 844-772-4842.  We will get them ordered and sent to your address on file. After that, you can reorder checks in the Civic app or online banking.

Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $25 fee. To avoid this, enroll your account in overdraft protection.

The early withdrawal penalty for Civic Choice Certificates uses dividend funds and is calculated based on the term of your account. Here is how we calculate early withdrawal penalties:

• Terms of 6 to 11 months = forfeiture of 90 days’ dividends
• Terms of 12 to 60 months = forfeiture of 180 days’ dividends

The early penalty withdrawal applies to all Civic Choice Certificates.

Civic Choice Certificates have customizable terms that provide you with flexible planning. Our team recognizes that extenuating circumstances do happen. If you are a member with an account and need to communicate a circumstance to us, please contact the Experience Center for more information.

There's just one basic difference: Credit unions and banks call the same product different names. Share Term Certificates (like our Choice Certificate) are how credit unions say it. Certificates of Deposit, or CDs, are what banks say.

Credit unions refer to the money earned by deposit accounts as dividends. Other financial institutions commonly call this money interest. The IRS views dividends the same as interest.

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account securely, and authenticated within a few business days. . Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

Contactless payments are made by tapping either a payment-enabled mobile or wearable device or a contactless chip card over a contactless-enabled payment terminal. The same contactless technology is used by cards, phones, watches and other devices.

Yes, your contactless card uses the latest chip security to ensure it is as safe as inserting a chip card.

For complete instructions on setting up Apple Pay® and adding your Civic card to it, please click here.

For complete instructions on setting up Google Pay™ and adding your Civic card to it, please click here.

When you are ready to pay, hold your card within 1-2 inches of a contactless-enabled terminal. Once you hear a “beep” or see a checkmark or green light, you can remove your card.

Depending on the merchant, you may be asked to enter your PIN or sign for approval.

Holding your card flatly is the best way to hold when near the contactless symbol.

When you are ready to pay, look for the contactless symbol at the payment terminal.

You can still use your contactless card by inserting your card, or at a magnetic stripe terminal by swiping your card.

No, business cards are not eligible for digital issuance.

Yes! The temporary digital version of your card is valid from 30 days from issuance. Once you activate your physical card, your digital wallet will automatically update your card details.

Domestic wire transfers are available and can be requested through the Civic app, through online banking, or by calling the Experience Center at 844-772-4842. We do not offer international wires. As an enhanced security practice, there is a 90-day waiting period for new adult members to send wire transfers.

Part of the money you deposit through the Civic app is generally available shortly after your deposit. Several things affect when your money becomes available, like the policies of each person's financial institution, your account history, account type and the amount deposited. On occasion, part of your deposit may take a few business days to clear. 

We recommend keeping an eye on your balance for the most up-to-date availability of your funds. 

Keep in mind, as an enhanced security practice, there is a 90-day waiting period for new adult members to use make mobile deposits.

Yes, it is available in both.

In the Civic app, click “More” and click “Financial Health.” In online banking, it is located in the menu.

To view your spending data, click “Financial Health” and click “Spending Summary.”

To view your savings goals, click ‘Financial Health” and click “Savings Goals”

1. Click “Create a Savings Goal”
2. The Add Goal window will display.
3. Select an account to (a green checkmark will display next to the account).
4. Click the Next button
5. Select a category to set for the goal (a green checkmark will display next to the category).
6. Click the Next button.
7. Click the Goal Icon to add an image (optional).
8. Note: Photo upload is only available via desktop.
9. Enter the Goal Name (required).
10. Enter the Goal Amount (required).
11. Enter the Target Date (optional).
12. Click the Create Goal button.
13. A success message will display, indicating the goal has been successfully created.

- Chat with us, weekdays 8 a.m. to 6 p.m. EST.
- Call us at 844.77CIVIC (844.772.4842), available 24/7, including holidays.

Yes, all you need to do is request this account. We’ll make sure a percentage of your spending goes back into the Fire service through our partnership with NCFSA. And, you will earn 0.50% APY when you make 20 transactions each month. It’s a true win, win.

Looking for other ways to support the NC Fire Service? Check out our You + Money blog post on 3 Easy Ways to Give Back.

Yes. Join the credit union with just $25, and get started today! 

An HDHP is a medical insurance plan with a minimum annual deductible and a maximum out-of-pocket expense cap. With an HDHP, you may pay a lower monthly premium but have a higher deductible (meaning you pay for more of your health care items and services before the insurance plan pays). 

Deductible and out-of-pocket expense limits may be adjusted annually to account for cost-of-living increases.

You can use your HSA to pay for doctor visits, prescription drugs or over-the-counter medicines prescribed by a doctor for you, your spouse and your dependents. Be sure to use your HSA debit card for eligible purchases. For a complete list of qualified HSA distributions, visit the IRS website to view Publication 969 and Publication 502. 

HSAs can have tax consequences for nonqualified distributions. Civic does not monitor purchases made on your HSA card for eligibility. Consult a tax or financial advisor for additional information.

Yes, but if you elect to withdraw your deposit before the certificate matures, there is a penalty. You’ll forfeit 90 days’ interest for terms 12 months or less or 180 days’ interest for all other terms.

If you haven’t already issued instructions to us, we will contact you and ask for your direction prior to the maturation of your certificate. You may choose to auto-renew your principal (and any dividends earned) at the updated rate for the same term, or you can elect to transfer the funds to another account during the 10-day grace period.

An IRA CD is a good fixed-income account to add to your retirement portfolio if you prefer a tax-advantaged account with low risk and modest growth that’s not dependent on the stock market. But there are IRS-imposed contribution limitations, so check with your tax adviser to see if an IRA CD could be right for you.

An IRA is a personal savings account that allows you to save for retirement with tax-free contributions (Traditional IRA) or with tax-free withdrawals (Roth IRA).

The right IRA is up to you. With a Traditional IRA, your contributions are tax-deductible, but you’ll be taxed on your distributions. With a Roth IRA, distributions are tax-free, but your contributions are taxed.

Roth IRAs are a smart choice for many people, but you may want to talk to your financial adviser to figure out if it is the right IRA for you.

This account earns you dividends when the balance remains at or above $250. If your Money Market Account falls below the $250 minimum balance, your account won't earn dividends for that month. You will also incur a $2 fee if your account balance is below $250 on the last day of the month. Tip: If you dip below the $250 minimum on a regular basis, the Select Savings Account may be a better fit for you.

Yes. Giving you flexible options for your money is our priority. And there are times when checks are just necessary. Tip: To move funds faster, use mobile or online banking for unlimited transfers.

Yes. Funds in all Civic Money Market Accounts are insured up to NCUA maximums.

This account has the ability to write checks but does not come with a debit card. Here's a tip: If you need more options to move money, consider opening a Bonus Checking Account..

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your Bonus Checking. You can also securely transfer funds from another online account, and the transfer will be authenticated within a few business days. Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

It’s easy! Search the NCUA’s online Credit Union Locator to verify our status. And like most credit unions, we display the official NCUA insurance sign in our advertising, where deposits are normally accepted (such as our branches, ATMs, etc.), and on our website. This insurance is required by law to protect members, and no credit union can end its federal insurance without first notifying members.

No, there are no charges or fees assessed to you for this coverage.

Share insurance covers the balance of each of your deposit accounts, dollar-for-dollar up to the insurance limit, including your principal and posted dividends through the date of a credit union’s closure. But here’s an important point: Not a single penny of insured savings has ever been lost by a member of a federally insured credit union! 

What’s not insured by NCUA? Money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities.

You may request the card type when opening a Bonus Checking Account.

No, you must request the Civic NCRPA Debit Card when you open a Civic Bonus Checking Account. All cardholders must have a Civic Bonus Checking Account. During the process to open your checking account, you’ll be prompted to select NCRPA.

Call the Experience Center 844-772-4842 to report a card as stolen or missing. We will send a replacement card to the account holder’s mailing address.

Yes. You can open as many types of savings accounts as you need to reach your savings goal. If you want to talk more specifically about options, please don’t hesitate to reach out to the Experience Center. They are available for you 24/7, including holidays. 

The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

If you have a Select Savings Account but not a checking account, you can request a debit card that allows you access to your funds. Just contact the Experience Center 24/7 at 844-772-4842 to request your debit card.

You can open a Select Savings Account with as little as $25, and we’ll even add a $1 deposit for you. But we encourage you to deposit more, because the Select Savings Account pays dividends.

Yes. The basis of membership at Civic is a Select Savings Account. We even help fund the account with $1. This dollar represents your share of the credit union. That’s right! You’re an owner. Learn more about membership details.

1. You’ll need the following information before you apply:
   • Social Security number, address, phone number, email address
   • One form of government ID (driver’s license, passport, military or state ID)
2. Next, review our membership eligibility requirements to make sure you qualify.
3. Last, make sure you have a funding source, like a credit or debit card, or a routing and account number. Or, if you prefer, you can skip this step and remotely deposit a check or mail us a check once you’re approved.

No. This is a feature always available to you to help plan for future purchases. Even if you don’t use it now, it’ll be there if you need it.

Civic is a credit union. All members have a Select Savings Account opened for them. We even help fund the account with $1. This dollar represents your share of the credit union. That’s right! You’re an owner. Learn more about membership details.

Yes, you can open a Select Savings Account for a minor. It's never too early to start saving! You will need an adult or guardian who is at least 18 years of age who will be listed as a joint account holder.  Our process will guide you through the easy steps to open a Select Savings Account for a minor.

Yes, you can open multiple Select Savings Accounts. You just need $25 to open each account. That same amount is the minimum required to maintain your account.

A Select Savings Account can be opened with as little as $25. However, we encourage you to do more. This account was designed to help you reach your savings goals, whatever they may be.

Yes, we give you the flexibility to add and remove beneficiaries on any Civic deposit account. And there are no restrictions on the number of beneficiaries you choose. Tip: Dispersal amounts for your account are delegated equally. To get started fill out the form here, then send via the Message Center under Account Support inside the mobile app or online banking.

If you have a Civic savings account but not a Civic checking account, you can request a debit card that allows you access to your funds. Contact the Experience Center to request a debit card at 844-772-4842.

The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.

An IRA is a personal savings account that allows you to save for retirement with tax-free contributions or withdrawals, depending on the account.

A SEP IRA is a tax-deferred account, meaning your contributions are made with pre-tax dollars and withdrawals are taxed as ordinary income.

Yes, you can set up a SEP for your self-employed business!

Business owners with employees can make contributions for themselves and any eligible employees. (Employees cannot make contributions for themselves.) 

If you’re self-employed with or without employees, and don’t have a 401(k) program to save for retirement, you can open a SEP IRA.

Anytime. But if you withdraw money from your SEP IRA before you reach age 59 1/2, you are likely obligated to pay a 10% penalty on the amount withdrawn. 

Distributions must begin once you (the account holder) are age 72, or age 73 if you turned 72 after December 31, 2022. You are responsible for paying ordinary income taxes regardless of when you withdraw.

You choose your distribution date when you open your Steady Save Savings Account. There are two options: The fourth Friday of March, or the fourth Friday of October.

Members are restricted to lump-sum withdrawals for the Steady Save Account during the March and October dates. The account is structured for distributions on the date you choose, but you’re not prohibited from accessing the funds at other times.

Yes, we give you the flexibility to add and remove beneficiaries on any Civic deposit account. And there are no restrictions on the number of beneficiaries you choose. Tip: Dispersal amounts for your account are delegated equally. To get started fill out the form here, then send via the Message Center under Account Support inside the mobile app or online banking.

Dividends are compounded daily and paid monthly.

It’s you! You are in total control of how much and how often you save. You will make that decision when you open the Steady Save Account.

The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

An IRA is a personal savings account that allows you to save for retirement with tax-free contributions (Traditional IRA) or with tax-free withdrawals (Roth IRA).

The right IRA is up to you. With a Traditional IRA, your contributions are tax-deductible, but you’ll be taxed on your distributions. With a Roth IRA, distributions are tax-free, but your contributions are taxed. 

Yes. Any withdrawals (except non-deductible contributions) from a Traditional IRA are subject to regular income taxes.

Yes, you can take a distribution at any time! Penalty-free withdrawals before age 59½ are allowed if:

• You are a first-time homebuyer ($10,000 lifetime limit)
• You are using the withdrawal to pay for certain higher education expenses
• Certain conditions are met for unemployment or qualifying medical expenses
• The distribution was a result of disability or death
• Distributions were part of a series of substantially equal periodic payments
• You took qualified reservist distribution while serving on active duty
• Distribution is used to pay a federal tax levy

If you are age 50 or older in the year of contribution, eligible account holders can make an additional contribution of $1,000 above the distribution limit set by the IRS.

To use these services, cardholders in the United States can call Visa's toll-free, 24-hour Benefit Adminstrator line at 1-800-992-6029. If you're outside the U.S., call collect at 1-804-673-1675. Or, visit cardbenefitservices.com

No, see the chart above to see which benefits your card is eligible for.

Civic Visa business debit and credit cards offer Purchase Protection.

Civic Visa business debit and credit cards offer Travel and Emergency Assistance.

With a Civic Rewards Credit Card, you earn 1 point for each dollar spent on qualifying purchases made with your Rewards card. Visa benefits are available to all eligible Civic Visa cardholders, regardless of purchases made.

The parent or guardian will have to meet the ID requirement for our Civic youth accounts. The minor will not have to provide an ID.

Our Civic youth accounts are designed to help you teach your child smart money habits as they grow. At age 18, we welcome your teen into a full financial life! That’s when the NextGen Savings Account will automatically transition to a Select Savings Account. And that’s when NextGen Checking Account will automatically convert to a Bonus Checking Account when the minor turns 18.

Yes, the NextGen Checking Account comes with a debit card and the YoungStar and NextGen Savings Accounts offer debit cards upon request. The NextGen Checking and NextGen Savings Accounts also offer limited online and mobile account access for your teen.

There are no overdraft, insufficient funds, or maintenance fees for YoungStar Savings Accounts. There is a $1 monthly maintenance fee for all NextGen Checking Accounts and a $1 monthly maintenance fee for NextGen Savings Accounts with balances under $25. To avoid the $5 paper statement fee, you can elect to receive eStatements.

Under the watchful eye of parents, NextGen teens age 13-17 can use our online and digital channels to conduct transactions on their accounts, from anywhere. This includes mobile phones, ATMs and remote check deposit! For the YoungStar members ages 0-12, parents will conduct transactions on behalf of their young members.

The NextGen Checking account for ages 13-17 does not include checks. It does include a debit card that enables your teen to make purchases, like school supplies, tickets to school events, concessions, and other needs under your watchful eye. The YoungStar Account, for ages 0-12 offers a debit card upon request.

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. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.

You can send, request, or receive money with Zelle®. To get started, log into Civic’s online banking or mobile app³ and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept 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 minutes². To request⁴ money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. 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 Civic account, typically within minutes².

It’s easy — Zelle® is already available within the Civic mobile app³ and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

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 and ask them to move your email address or U.S. mobile phone number to Civic so you can use it for Zelle®. Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Civic account so you can start sending and receiving money with Zelle® through the Civic mobile app³ and online banking. Please call Civic customer support toll-free at (844) 772-4842 for help.

When you enroll with Zelle® through the Civic mobile app³ or online banking, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Civic. When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Civic of the incoming payment. Civic then directs the payment into your Civic account, all while keeping your sensitive account details private.

Keeping your money and information safe is a top priority for Civic. When you use Zelle® within our mobile app³ or online banking, your information is protected with the same technology we use to keep your Civic account safe.

You can send money to friends, family and others you trust¹ even if they have a different bank or credit union.

Since money is sent directly from your Civic account to another person’s bank account within minutes², it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Civic nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor¹.

Since money is sent directly from your Civic account to another person’s bank account within minutes², Zelle® should only be used to send money to friends, family and others you trust.

Neither Civic nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Civic mobile app using just their email address or U.S. mobile number.

Neither Civic nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at (844) 772-4842 for assistance with canceling the pending payment.

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 used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at (844) 772-4842 so we can help you.

Civic does not charge any fees³ to use Zelle® with your personal checking account.

The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine Civic's send limits, call our customer service at (844) 772-4842.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll 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 Civic account, typically within minutes²

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 Civic.

3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Civic customer support team a call toll-free at (844) 772-4842 or get in touch through our support page.