When you enroll with Zelle^® through your banking app, your name, your financial institution's name, and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared -- those stay with your bank or credit union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle^® looks up the email address or mobile number in its "directory" and notifies your financial institution of the incoming payment. Your bank or credit union then directs the payment into your account, all while keeping your sensitive account details private.