If your recipient is enrolled with Zelle, money is typically available within minutes. If your recipient isn’t enrolled, they will need to enroll to receive their money. Once enrolled, the money moves to the recipient’s account and is typically available within minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls. If your recipient does not enroll within 14 days of when the money is sent, the money is released back to your account, and the transaction is cancelled.