FSP Bank will be a member of the Zelle Network. You would be able to send money to anyone else using Zelle within minutes. All that is needed to be known is the registered email address or telephone number. Be careful on whom you deal with on Zelle. Do NOT give access to your Zelle account to anyone, and do not give any verification codes. Neither FSP Bank nor Zelle will ask for this information. Doing so can relinquished control of you account. FSP Bank is not responsible for any payments you send with Zelle. This is the same as if you handed that person cash in person, and therefore is no longer the responsibility of the bank.