Zelle®

Send Money Instantly 

Skip the checks, avoid the fees, and pay people you trust with Zelle® built right into your GTKY app or online banking.

Quick, Simple, and Local

At GTKY, we believe in banking that fits your life. That’s why we’ve built Zelle® right into your credit union experience, so sending or receiving money takes minutes, not days. Money typically arrives within minutes when both parties are enrolled.

Zelle®

Three Easy Steps to Get Started

  1. Enroll in Zelle® – Go to your GTKY online banking or mobile app and select “Send Money with Zelle®.”
  2. Add Your Contact – Link your email or U.S. mobile number to your eligible GTKY account.
  3. Send or Receive – Enter an amount, choose a recipient (via their email or mobile number), and the money arrives fast.
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Why Members Choose It

Fast & Efficient

Forget waiting for bank transfers — when both sender and recipient are enrolled, payments often show in just minutes.

No Extra Fees

Zelle® is free for many transactions — but always check your specific account terms.

Works Across Banks

Even if friends or family bank somewhere else, Zelle® works between eligible U.S. banks and credit unions.

Integrated in Your GTKY App

Everything stays local. You don’t need a separate provider or external app — it’s part of your credit union’s digital banking experience.

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Frequently Asked Questions

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(859) 231-9300
Talk or text with a Team Member

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memberservice@gtkycu.com
Email a Team Member

  • What is Zelle®?

    With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

  • Are there fees to use Zelle® with GTKY?

    No, Greater Kentucky Credit Union does not charge any fees to use Zelle®. Your mobile carrier's messaging and data rates may apply.



  • How quickly does the money arrive?

    When both parties are enrolled, the funds typically arrive within minutes.

  • Can I cancel a Zelle® payment?

    Only if the recipient hasn’t enrolled yet — once they are enrolled and you send, the payment cannot be cancelled.