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Transfer Money. - Make transfers between Citizens accounts and to non-Citizens accounts. - Send money …GET STARTED: 1. Download the Zelle app. 2. Enroll using a Visa® or Mastercard® debit card linked to a U.S. checking account; or 3. Enroll your U.S. checking account by using your online banking username and password, if your bank supports this feature. 4. Get started with the Zelle® app. GET THE APP. ENROLL. Enroll your mobile number and Visa® or Mastercard® debit card so you can start sending and receiving money. See how to send. STEP 1 Look up friends from your contacts. You can send or request money from your friends right out of the contacts in your smartphone.GET THE APP ENROLL Enroll your mobile number and Visa® or Mastercard® debit card so you can start sending and receiving money. See how to send STEP 1 Look up friends from your contacts. 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