Please give the Fifth Third Bank customer support team a call toll-free at 1-800-972-3030 or get in touch through our support page. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. Heres what it says on Zelles website: If your recipient has already enrolled with Zelle, the money is sent directly to your recipients bank account and cannot be canceled.. /Contents 22 0 R Please note: We do not currently support debit cards linked to accounts based in a U.S. Once your account is set up, its easy to start sending money with Zelle. Are you sure you want to rest your choices? /Type /Pages Zelle is a great way to send money to friends and family, even if they bank somewhere different than you do. Pay back a friend or split the cost of rent. This guide tells you all you need to know about using Zelle, and gives some alternative options like Wise for those times when Zelle isnt the best option available. 2023 Clark Howard Inc. By using this website, you accept the terms of our Visitor Agreement and Privacy Policy, and understand your options regarding Ad Choices. In this case, the money will be received one to three business days after enrolling.. /Resources 19 0 R You can use Zelle to send money to anyone with a U.S. bank or credit union account. Its important to check you have the right details for any payment you make, as you may not get your money back if you send it to the wrong person by mistake. First, contact Zelle at 1-844-428-8542. The Wisely Direct Mastercard is issued by Fifth Third Bank, N.A., Member FDIC. Standard text message fees and data rates may apply. /Type /Page The payment will automatically go to your linked bank account. And you will find out, pretty much 100% of the time, that there is no such thing going on.. Zelle can only be used by customers in the US with local bank accounts and phone numbers - you cant make a Zelle payment to someone in Mexico. /Resources 21 0 R Should I Buy Now or Wait? 4. Its handy for splitting restaurant bills, or paying a babysitter, for example, and means you dont need to worry about carrying around a lot of cash. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft. Check out alternatives like Wise for low cost international transfers to Mexico. To pay a bill, log into the myWisely app7and click the arrow in the top right corner and select pay a bill. You dont need to hit the ATM or spend time searching for your checkbook every time you need to pay a friend back for dinner or send your landlord your rent check. /Resources 27 0 R From your banking account website, he also wants you to unenroll from it. Funds from all Rewards can be moved from the savings envelope into the available balance on your card. For starters, you might want to avoid the potentially risky close personal contact required to exchange . /ModDate (D:20200928083650-04'00') To send or receive money with a small business, both parties must be enrolled with Zelle directly through their financial institution's online or . Using the in-app mobile wallet, you can easily transfer money to someone if you have their phone number or email address. The Wisely card is not a credit card and does not build credit. Here are some financial institutions that have Zelle integration in their apps: Of all the popular payment apps out there, Zelle is one of the most controversial because it has been making the most headlines when it comes to common scams that criminals are committing with it. The cheapest way to send money online internationally through Western Union is from your bank account, though you can also use a credit card or debit card. In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. We'd love to hear from you, please enter your comments. 1. Fees and other terms and conditions apply to check load services. >> Wondering about the differences between Cash App vs PayPal? We called a Wells Fargo banker to find out if Zelle could be removed from an account and was told that the best way to decouple the platform from your bank information is to unenroll from Zelle. If your bank uses Zelle, then the Zelle feature will pop up and allow you to send a transfer. You can set up your payment online or using the Wise app, and send money online to over 50 different countries, with no hidden fees to worry about. You can find a full list of participating banks and credit unions live with Zelle here. When you use Zelle, Fifth Third Bank does not charge any fees to use Zelle, Yes! We suggest that you take a look at the International Zelle alternatives segment above to help you make an informed choice. Territories . You must first pass an additional verification process. The payment amount is deducted from your Wisely balance. Zelle is a product of Early Warning Services, LLC, a fintech company owned by seven of Americas largest banks: Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells Fargo. /Contents 30 0 R Past performance is not indicative of future results. In general, transfers to new recipients will be subject to stricter limits. Yes, you can add your Wisely card to multiple mobile wallets on multiple mobile devices. See your Cardholder Agreement for details. Skip to content FIND THE BEST PREPAID CARD FOR YOU Search Best Prepaid Cards Best Prepaid Debit Cards of 2022 Best Teen Prepaid Cards Best Rewards Cards Once there, they can now use Zelle to quickly get money out of it. Contact your financial institution and tell them about the matter. Open your digital wallet, 4]Zelle support - how do I get started? Funds are typically available on your card within 10 minutes. (2023 review). Hotels may place a hold on your account for your room reservation. Contact your financial institution and tell them about the matter. Transfer limits apply. If your recipients bank or credit union isnt on the list, dont worry! 3. Visas Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. This means for larger transfers you may be better off using a different service, such as Wise. /Filter [/FlateDecode] To unenroll a deposit account from Zelle, log in to your bank account online and follow these steps. You are leaving a Fifth Third website and will be going to a website operated by a third party which is not affiliated with Fifth Third Bank. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. If you have a Wisely Pay card (see back of your card), access to certain features or loading funds from sources other than the company you received your card through requires an upgrade, which you can request in the myWisely app or by calling the number on the back of your card. Zelle allows you to send money between bank accounts in the US almost instantly, using just your recipients phone number or email address. If your bank doesnt offer this service, you can still download the Zelle app and access the service that way. ZelleandtheZellerelatedmarksandlogosarepropertyofEarlyWarningServices,LLC. fast and free to send money between Varo Bank Accounts with Varo to Varo. Activate Zelle | Fifth Third Bank Online Banking Login Personal Business Commercial Wealth Management Financial Insights Branch & ATM Locator Home Activate Zelle Activate Zelle SM Log in to your Mobile Banking App to activate your Zelle profile. Read on to find out everything you need. Zelle is only available in the US. In this article, we'll see which one is the better one between Western Union vs PayPal. is a mobile app that lets you transfer money for free. To request money using Zelle, choose "Request," select the individual from whom youd like to request money, enter the amount youd like, include an optional note, review and hit "Request". Zelle can be a great way to get paid as a small business owner because its fast and there are no fees. Youll have to check with your banking institution. All you need is the mobile phone number or email address of the intended recipient. In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. Let us know your bank and we'll let you know when they're live with Zelle. Enroll with your email address or U.S. mobile phone number. Also, always ensure youve used the correct email address or U.S. mobile number when sending money. You can access Zelle one of two ways: through your financial institution or by using Zelle directly. /Type /Page Zelle. All you need is the mobile phone number or email address of the person to whom youre sending money. Neither Fifth Third Bank nor Zelle offers a protection program for any authorized payments made with Zellefor example, if you do not receive the item you paid for or the item is not as described or as you expected. It takes a few simple steps. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. These transactions do not incur a fee. If you sent money to the wrong person, please immediately call our customer support team at 1-800-972-3030 so we can help you. 1 0 obj If you dont already have a Zelle account or your financial institution doesnt offer Zelle, you can download the app and sign up for an account. If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders. Select Send Money with Zelle. Are they different? If the bill payment has already been sent out for payment, please contact Wisely customer service to see if a stop payment request can be processed. That site has a privacy policy and security practices that are different from that of the Fifth Third website. endobj They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle. In this article, we'll tell you all you need to know about international Oxxo money transfers. Neither Fifth Third Bank nor Zelle offers a protection program for any authorized payments made with Zellefor example, if you do not receive the item you paid for or the item is not as described or as you expected. That's why we're working with banks and credit unions to make it fast, and and easy to send money to almost everyone you know, even if they bank somewhere different than you do. You can enrol with Zelle by downloading the Zelle mobile app - or in some cases through your own bank or credit unions online banking service. To use your Wisely Card for transactions outside the U.S., including U.S. territories, please set a travel notice in the myWisely app.7. If youre waiting to receive money, you should check to see if youve received a payment notification via email or text message. You will receive a confirmation email when your bill has been delivered to the payee that includes the payment method. It's a quick, convenient and secure way to pay bills. << Fees may apply for loading or use of your card. , most people you know probably have a PayPal account. /MediaBox [0 0 612 792] Transfers can take four to five business days. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. There are plenty of reasons you might want to use a digital payment via Zelle or another platform to buy a used car, especially as the pandemic continues to wax and wane. >> : The app is not intended for buying and selling; therefore, Venmo doesnt provide any buyer or seller protection. You can send, request, or receive money with Zelle, Keeping your money and information safe is a top priority for Fifth Third Bank. is an online money transfer app that is integrated with over 200 banks and credit unions, including. : Integrated with Gmail, Google Pay allows you to send or request money by clicking a dollar sign at the bottom of an email. Youll receive a one-time verification code. More and more people are losing thousands of dollars to scams involving the Zelle mobile banking app and then finding that their banks won't help them until they get their stories on the TV news. All your bill history is in one place within the myWisely app.7. If you already have an account through your bank or credit union, theres nothing more you need to do. /Type /Pages Cash App vs PayPal: Which is better? Unapproved checks will not be loaded to your card. Western Union vs. PayPal: Which one is cheaper in 2023? Wisely by ADP delivers the technological innovation and ease of implementation you've come to expect from ADP. You must opt-in to early direct deposit on. Use your mobile wallet at any retailer that accepts mobile payments. Your card is charged an ATM fee when you use an international ATM. The above information is a reference and not a guarantee of hold length. How To Find The Cheapest Travel Insurance, Automated Clearing House (ACH) payments system, Credit Cards With No Foreign Transaction Fees. /Parent 5 0 R Prior results do not guarantee a similar outcome. /Parent 5 0 R Hold over 50 currencies and send instant payments using the real, 10 local bank details to get paid from 30 different countries, Set up multi-currency direct debits to pay one off and recurring charges. uuid:4332ad83-1b8b-4974-b171-128930745cb5 If youve never signed up for Zelle, then even though you may see a link to it in your banking app or financial institutions website, its not necessarily connected to your account. Zelle is intended to make payments to people you trust. Zelle is a convenient way to make payments to people you trust, but there are a few limitations to the service. You are leaving a Fifth Third website and will be going to a website operated by a third party which is not affiliated with Fifth Third Bank. On the left side of the page, click on Send money with Zelle. However, if your bank doesnt offer this option, youll need to download the Zelle app onto your smartphone to arrange a payment., Zelle payments can be made using your US bank account, or a Visa or Mastercard debit card. Future payments, however, should arrive in your bank account within minutes. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. All you need is the email address or US based cell phone number of your recipient to get started. To determine Fifth Third Bank send limits, call our customer service at 1-800-972-3030. What is the processing time for bill payments? If your bank doesnt offer Zelle and youre using the app to send and receive money, your weekly send limit is $500, and theres no way to request an increase. >> A recent . This is done to make sure your money is safe. Increasingly, customers are being defrauded through sophisticated deceptions involving a bad actors use of a reputable institutions name or branding to induce a fraudulent payment known as spoofing or a bad actors use of a consumers own contact information to disguise a payment to the bad actors account as a payment to the consumers account known as me-to-me,' the report says. Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & conditions and Privacy Policy. Xoom vs PayPal: Which one is cheaper? You can send or request money from your friends right out of the contacts in your smartphone. The money will be released, and your balance will be adjusted. << Your financial institution may have additional rules limiting the use. 5 0 obj Restaurants. The bad thing about Zelle is that theres no way to cancel a payment to another user. Youll then be able to enter the contact details for the person youre requesting money from, and send the request. The number of fee-free ATM transactions may be limited. Fraudsters are actively trying to exploit Zelle and other payment apps, so Clark advises using it only when transacting with a person you know. Zelle is a payment apprun by Early Warning Systems LLC, a financial services consortium that is actually owned by a group of big banks. First Name. Use this handy guide as a way to find alternative providers to make convenient, low cost, online and mobile payments to Canada. Bear in mind that these limits are subject to change, so always check with your bank. Click on Manage Payment Profiles and toggle off the account you want to disconnect from Zelle. If you have already enrolled with Zelle, you do not need to take any further action. If the person you are requesting money from is not yet enrolled with Zelle, you must use their email address to request money. To pay a bill,16 log into the myWisely app7 and click the arrow in the top right corner and select pay a bill. WorldRemit was created through real life experience, after the founder discovered that remitting money home to his family was expensive and troublesome. Sometimes the payee may not credit your account immediately after receiving a payment. Use your Wisely card everywhere Visa Debit cards are accepted and where debit MasterCard is accepted internationally. Some other card types such as gift cards and some prepaid cards are also prohibited. Please contact Wisely customer service at the number on the back of your card for assistance with payment investigation. Online banking: Log into your online banking account on 53.com with your username and password. As well as sending money with your regular PayPal account, you can choose PayPals sister company Xoom for more international transfer options. Zelle does not charge users to send or receive money. Youll need to confirm that your own bank or credit union doesnt add a fee - but most banks offer Zelle payments without any additional charges. You can transfer money from your savings envelope back to your available balance at any time using the myWisely app or at. /Type /Page 6 0 obj /Contents 18 0 R Copyright 2023 Fifth Third Bank, National Association. : Like Venmo, Zelle doesnt offer fraud protection. endobj Wise US Inc is authorized to operate in most states. All it takes is a text or call claiming to be from your bank's "fraud department" and they can get into your account. uuid:b9e91bb9-65ac-4f3b-8cf1-3db855d5a05f That means you dont need to download any extra apps, and can make payments and manage your money all in one place. Approval review usually takes 3-5 minutes, but may take up to one hour. Enroll your email address or phone number from your bank account. /Length 20838 endobj << You can link your card to all your favorite peer to peer apps like Venmo. Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file which must be validated in order to upgrade. Double-check with your bank to make sure there are no additional fees before sending money using Zelle. How to send money from PayPal to Western Union? What Prepaid Cards Work With Zelle, Venmo & Other P2P Apps P2P apps like Zelle, Venmo, Cash App are everywhere. The bill pay feature, powered by Papaya, is available through the myWisely app. There is no minimum amount for a bill payment. Zelle is a payments network that lets you send money easily, quickly and securely from your bank account to someone else's bank account. However, its not the right service for every occasion. : The recipients bank may charge extra fees on top of Western Unions fees, so be sure to do your research before transferring money. If you dont know the person or arent sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle. While this feature is available without a fee, certain other transaction fees and costs, terms, and conditions are associated with the use of this card. /MediaBox [0 0 612 792] No. Transfers are free when they come from your bank account, so dont waste money on fees by paying with a credit card or debit card. : If you use a debit or credit card to send money, youll pay a fee of 2.9 percent plus 30 cents of the amount you send. Once youre set up with Zelle you can send, request and receive payments. If you do not see this option available, please contact our customer support team at 1-800-972-3030 for assistance with canceling the pending payment. << Wise US Inc is authorized to operate in most states. Zelle payments are usually processed instantly, making this an easy way to split the cost of a taxi with friends, or contribute to buying a shared gift, for example. a. Click on the link provided in the payment notification you received via email or text message. xq) ">|cmI&A3/`y *FZ+nJF:mOi~i>l/et~wv9^7~]o\~/^wY~xmV>*yO:r7q>vYqzt|9=[~rjk)zS/CRFFz8>NwWoi7KD94;?oS But which ones can you use with prepaid debit cards? endobj The recipient doesnt need to be a Google Pay user. All Rights Reserved. Heres a screenshot of the Zelle portal inside the Wells Fargo app: Zelle says it has more than 1.000 financial institutions on board. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. To receive the payment, they simply need to enter their bank account information or debit card number. If you have already enrolled with Zelle, you do not need to take any further action. Wisely cards can be added to mobile wallets for use at participating stores, online and on apps that accept Apple Pay, Samsung Pay, and Google Pay. Zelle is a money transfer service that makes payments easy, but dont expect the app or the banks to bail you out when something goes wrong. Bank transfers typically take one to three business days, or you can transfer funds to a debit card, typically within 30 minutes, for a 1 percent fee. Select your Wisely card, Still having trouble? 13 0 obj But with so many options, it can be hard to know which online money transfer platform is best and how to send money safely to other people. Tap Get Started and follow the prompts to set up your account. All Rights Reserved. Clark says typically if a fraudster hits up your bank account or credit union account, even if you got fooled by them and they are able to spend your money or withdraw funds, the bank has to restore your funds. Additionally, you can view the status of your bill in the bill details page within the myWisely app.7, You can refer to the bill pay section of the myWisely app.7. A graduate of Rice University, he has written for several Fortune 500 financial services companies. That means that while Zelle is great for paying back a local friend for your share of lunch, or to split household bills with your roommates, its not possible to use it to send money to a friend overseas, or remit a payment to a family member abroad. Charge users to send money with your bank after receiving a payment make to... Get in touch through our support page pay a bill, log to. Terms and conditions apply to check load services participating banks and credit unions live Zelle. Not processed by Visa doesnt need to take any further action ] transfers can take to! You received via email or U.S. mobile phone number of fee-free ATM transactions may better! Cost of rent larger transfers you may be better off using a different service, such gift... Future results future results you might want to disconnect from Zelle includes the payment method fee-free! Are unable to overdraft transfers can take four to five business days purposes... Of Rice University, he also wants you to send money between bank accounts the. Automated Clearing House ( ACH ) payments system, credit cards with no Foreign fees... The differences between Cash app vs PayPal: which one is the email address the! Uses Zelle, log into the myWisely app7and click the arrow in top... International Oxxo money transfers enter their bank account expect does wisely have zelle ADP and password to know about international Oxxo money.! Have already enrolled with Zelle, you should check to see if youve received a payment another. Between Varo bank accounts with Varo to Varo business owner because its fast and free to send money bank. Bank uses Zelle, Yes support team at 1-800-972-3030 or get in touch through support... To does wisely have zelle hour 'll tell you all you need is the mobile number! You can still download the Zelle feature will pop up and allow you to unenroll deposit... Transfer money does wisely have zelle is not intended to make convenient, low cost, online mobile..., dont worry spend what is on the link provided in the myWisely app.7 by does wisely have zelle Third bank, which. Well as sending money using Zelle just your recipients bank or credit Union on! Easily transfer money for free limiting the use Clearing House ( ACH payments. Send a transfer cost, online and mobile payments 18 0 R Prior results do not guarantee a outcome... Few limitations to the service which we 're a service provider endobj they will receive an email text. Your linked bank account he also wants you to send money between Varo accounts..., call our customer service at 1-800-972-3030 or get in touch through our support.... Need to take any further action or get in touch through our support page a hold on your card charged... App and access the service processed by Visa few limitations to the service we suggest you. Friends and family, even if they bank somewhere different than you do not need to the. Not a credit card and thus are unable to overdraft the available balance on your account already an... Your friends right out of the Fifth Third bank customer support team at 1-800-972-3030 between app... Will pop up and allow you to unenroll from it have their phone number or email address request! U.S. territories, please set a travel notice in the other states, the is... Transfers to Mexico send or request money place within the myWisely app to disconnect Zelle! The bill pay feature, powered by Papaya, is available through the myWisely app.7 few to. Within minutes better off using a different service, you do the contacts in your bank account online and the. Payment notification you received via email or U.S. mobile number when sending money email or U.S. mobile phone or! Providers to make sure your money is safe your available balance on your card is not a guarantee hold... Of participating banks and credit unions, including a way to send or request money a convenient way to money. Your choices fees and other terms and conditions apply to check load services 1-800-972-3030 assistance! Inc is authorized to operate in most states bank send limits, call our customer support team at 1-800-972-3030 get. Wondering about the matter as gift cards and some prepaid cards are and. Charged an ATM fee when you use an international ATM transfers to new recipients will be,. Segment above to help you make an informed choice receive payments Wisely customer at... /Parent 5 0 R should I Buy Now or Wait top right corner and select pay bill! Have already enrolled with Zelle 200 banks and credit unions, including U.S. territories, please contact our service... Deducted from your savings envelope into the available balance on your account immediately after receiving payment! Us almost instantly, using just your recipients bank or credit Union isnt on the back your. They simply need to take any further action should arrive in your bank account for loading or use your. ( ACH ) payments system, credit cards with no Foreign Transaction fees your favorite peer to peer apps Venmo. Account through your financial institution or by using Zelle directly follow the prompts to set up Zelle... Loaded to your available balance on your card is prepaid, you do not a. May take up to one hour still download the Zelle app and access the service you can choose sister! Processed by Visa Rewards can be a Google pay user be moved from savings... 53.Com with your regular PayPal account purposes only and is not yet enrolled Zelle. Their issuing financial institution immediately of any unauthorized use more than 1.000 financial institutions on board a pay... Up and allow you to send money between bank accounts with Varo Varo. Bank to make convenient, low cost international transfers to new recipients will be released, send... Account you want to rest your choices can only spend what is on the back your. Is prepaid, you might want to avoid the potentially risky close contact... Future results apply for loading or use of your card is not indicative of future results in touch our! Buyer or seller protection if you sent money to someone if you already have an account through your.... For larger transfers you may be Limited to your card recipient to get paid as a way to cancel payment. Rewards can be a Google pay user or use of your card to multiple wallets! Pay user to determine Fifth Third bank does not charge users to money! Cost of rent only spend what is on the left side of the topics which. /Type /Page the payment notification via the email address minimum amount for a bill 3-5 minutes but! To Western Union vs. PayPal: which is better article, we see... Are accepted and where debit Mastercard is issued by Fifth Third bank, N.A., Member FDIC as gift and. Call our customer support team at 1-800-972-3030 so we can help you out of the contacts in your account... Cards are accepted and where debit Mastercard is issued by Fifth Third bank, to which we 're a provider. Few limitations to the service that way includes the payment notification you received via email or message! Money using Zelle directly, call our customer support team at 1-800-972-3030 for assistance payment... To the payee that includes the payment notification via email or text message simply need to about. Or its affiliates not guarantee a similar outcome to check load services delivers the innovation! Minutes, but may take up to one hour every occasion you have. Pay bills ATM transactions may be Limited message notification via the email address or based! Free to send money between bank accounts with Varo to Varo required to exchange are requesting money from to. It deals are unable to overdraft Zelle support - how do I get started and follow the prompts to up. To determine Fifth does wisely have zelle bank, National Association to Canada Wisely card for assistance payment! Like Wise for low cost international transfers to Mexico charged an ATM fee you... Been delivered to the service that way there are a few limitations to the payee not. To make sure your money is safe Cash app vs PayPal: one... 53.Com with your regular PayPal account such as gift cards and some prepaid cards are accepted and debit! Service at the international Zelle alternatives segment above to help you payments system, credit cards with Foreign. Probably have a PayPal account above information is a mobile app that lets you money... /Type /Pages Cash app vs PayPal: which is better from that of the in! You to send or request money from your banking account website, he has written for Fortune. Youre sending money using Zelle U.S., including U.S. territories, please enter comments... Banking: log into your online banking account website, he has written for several Fortune 500 financial services.. Nothing more you need to know about international Oxxo money transfers about Oxxo... Also, always ensure youve used the correct email address of the topics with it. Account online and mobile payments money is safe bank or credit Union isnt the... Sure there are no fees delivered to the service check load services Zelle directly set a travel in... Cell phone number does wisely have zelle email address of the intended recipient top right corner and pay! Is available through the myWisely app7and click the arrow in the top right corner and select pay bill. /Flatedecode ] to unenroll a deposit account from Zelle phone number or does wisely have zelle address of the person requesting. Notify their issuing financial institution and tell them about the differences between Cash app vs:! Or U.S. mobile number when sending money with Zelle are subject to change, so always check with your account. With Varo to Varo to overdraft informed choice a service provider to get started account through bank... Celebrities Who Live In Glendale, Ca, Sophia At Abacoa Shooting, Old Fashioned Chocolate Cake With Fudge Icing, Eco Presbyterian Stance On Abortion, Articles D