First time users must enroll in Zelle before sending money. The following flow is from Zelle for Jack Henry Associates (JHA) PayCenter, but the flow is similar for FIS Zelle.
To enroll in Zelle:
From the Transfers page on web or mobile, select Zelle. On the introduction that appears, select Get Started.
Choose a U.S. mobile phone number or email address to send and receive money. Your institution can opt to restrict a user to the email/phone sent during the Single Sign-On. Select Continue.
Read the Zelle terms and conditions, then select Accept & Continue.
Enter the verification code sent to your phone number or email address, then select Verify.
Select the account where payments should be deposited, then select Continue.
A confirmation message appears. Select Send or Request Money to start using Zelle.
