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Important Note: U.S. Government Stimulus Funds
All direct deposit funds, including Federal stimulus payments, are deposited once a day in the overnight hours. If deposited, funds are credited by 6 a.m. local time. If the payment does not appear in your account at 6 a.m., please check back the following day. You can find the most up-to-date information on your Economic Impact Payment at IRS.gov.
How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled person within minutes. Ask your friends and family to enroll with Zelle before you send them money – this will help them get your payment more quickly.
If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, it may take between 1 and 3 business days for your recipient to receive their first payment. This is a security feature of Zelle designed to protect you when you’re sending or receiving money with Zelle. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes.
If it has been more than three days, 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 California Bank & Trust Online and Mobile Banking Customer Support a call toll-free at (888) 217-1265, Monday – Saturday 7 a.m. to 7 p.m.
 To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle.