What Banks Use Zelle? List of Local & Online Banks That Use Zelle

Most of the banks in the United States is now compatible with Zelle. Here's a list of all banks and credit unions that use Zelle.
Ketcha Brandon
What Banks Use Zelle

It is known that most U.S major banks (online and traditional banks) use Zelle to offer the best money transfer services to their customers.

Zelle is a well known P2P financial app that allows users send and receive money online from one bank account to the other in a secured and easy way.

With respect to press release from Zelle, the app recorded a whooping half a million dollars for funds transfers initiated by customers and businesses. Here are the type of statistics which makes a Zelle an important app in the financial milieu.

If you are in the United States or any country which supports Zelle, sending and receiving money via Zelle is simple and straightforward once you have linked a funding source to your account - which can be a bank or a debit card.

Zelle is compatible with most U.S banks reason why it is easy for customers to integrate Zelle in their bank apps.

With that said, having a mastery of what local and online banks use Zelle, will help you know if you should link Zelle directly from your bank app or rather add your debit card to the Zelle app.

In this Article, Cashy Transfer shows you what local or online banks use Zelle.

Table of Contents

What is Zelle?

Zelle is a popular digital payments platform in the United States that enables users to send and receive money quickly and securely through their banking app or online banking platform. It is a peer-to-peer (P2P) payment system that allows users to transfer funds directly to friends, family, or anyone else who has a bank account within the Zelle network.

The platform was developed as a collaboration between major American banks, including Bank of America, Wells Fargo, JPMorgan Chase, and others. Zelle offers a convenient way to send money, split bills, or make payments for various purposes, such as rent, utilities, and shared expenses.

How Does Zelle Work?

Zelle works as a digital payment platform that enables users to send and receive money directly between bank accounts in the United States.

Once you have decided who to pay, Zelle sends the recipient a text or email letting the individual know that there is a payment awaiting them, alongside a link to accept the payment.

In case the receiver's bank is one of the participating partners, all they have to do is sign up for the service by providing an email address or phone number on the bank's website or mobile app.

In order to catalyze the transfer between U.S bank accounts, Zelle makes use of the Automated Clearing House (ACH) payment system.

Even though starting an ACH transfer from your bank account to a relative might take 3 days to complete, your money will arrive quickly with Zelle.

How to Set Up Zelle

There are two options available for using Zelle; either through your financial institution or directly via Zelle.

How to Set Up Zelle Via Your Financial Institution

You are able to access Zelle via your bank's website or mobile app. As soon as you have logged in, follow the prompts to enroll your account with Zelle.

You might also be able to enroll via Zelle's own app using your banking username and password, but this will depend on your bank.

How to Set Up Zelle Directly

If your bank does not support payments via the service then all you will have to do is to set up Zelle via its mobile app.

Create a new username and password by downloading the app and following the on-screen instructions that will be given to you. Do not worry cause you will not need to enter any private banking information.

What Banks Use Zelle?

Zelle is one of the most well known P2P money transfer services in the United States and due to its convenience and money transfer facilities, many U.S banks such as Bank of America, U.S Bank, Capital One, Wells Fargo Bank, Citi, Truist, JPMorgan Chase, and PNC Bank, and many others already use and take the Zelle app.

The list of banks that have adopted and keep on adopting Zelle is fast growing and increasing.

According to Zelle in the year 2021, almost 10,000 banks and credit unions in the United States were part of Zelle's payment network.

In order to learn more about the banks that use Zelle, you can check out this Zelle's updated list.

Also, you can find out here if your bank works with Zelle.

ALSO READ: Can I Use Zelle Without A Bank Account? (Yes, Here's How)

Banks That Use Zelle National In The USA

Well, we cannot list all U.S banks that work with the Zelle app but here are some of the popular and top banks in the U.S that use Zelle.

  • PNC Bank
  • Ally Bank
  • Bank of the West
  • USAA
  • TD Bank
  • Bank of Hawaii
  • BB&T
  • BECU
  • U.S Bank
  • Fifth Third Bank
  • FirstBank
  • First National Bank
  • Capital One
  • Citizens Bank
  • Comerica Bank
  • Dollar Bank
  • ConnectOne Bank

Small Regional U.S Banks That Use Zelle

Here are some small regional U.S Banks that use Zelle.

  • SunTrust Bank
  • First Tennessee Bank
  • MB Financial Bank
  • M&T Bank
  • Frederick County Bank
  • Frost Bank
  • KeyBank
  • Home Street Bank

International U.S Bans That Use Zelle

Here are some International Banks That Use Zelle

  • Bank of America
  • Citi Bank
  • JP Morgan Chase
  • Morgan Stanley
  • Wells Fargo

Online Banks That Use Zelle

Many online banks in the United States partner with Zelle to offer their customers the convenience of peer-to-peer payment transfers. Here are some of the popular online banks that support Zelle:

1. Ally Bank: Ally Bank is an online bank that provides a range of banking services, including Zelle for person-to-person payments.

2. Capital One 360: Capital One 360 is the digital banking arm of Capital One, offering online banking services with Zelle integration.

3. Discover Bank: Discover Bank is known for its credit card offerings but also provides various banking services, including Zelle for money transfers.

4. Chime: Chime offers online banking services and features Zelle to facilitate fast, secure payments between Chime account holders and others in the Zelle network.

5. Varo Bank: Varo Bank is an online bank that offers a range of banking services, including Zelle for easy money transfers.

6. Simple: Simple is an online bank that focuses on providing a streamlined banking experience, and it offers Zelle as a feature for convenient P2P transfers.

These are just a few examples of online banks that work with Zelle. It's important to note that support for Zelle may vary among different banks and specific account types within those banks. To ensure Zelle compatibility, it is recommended to check with the specific online bank you are interested in to confirm their Zelle integration.

Remember to review the terms and conditions, any associated fees, and the overall banking services offered by the online bank of your choice to ensure it aligns with your financial needs.

You are able to search for online banks that use Zelle from here.

List of Banks That Don't Use Zelle

Though Zelle might appear to be popular among U.S banks, there are a couple of banks that do not use Zelle.

Listing out all these banks would not be very simple since Zelle keeps on integrating U.S banks. However, the best way to get a list of banks that do not use Zelle is to identify all those who are not listed on Zelle's supported banks and credit unions page.

How to Send Money With Zelle

Now that you know the various local and online banks that use Zelle, it is good you know how to send money with Zelle.

1. Decide Who to Pay

Zelle works best when you are using it to send money to friends and family members or other people you know and trust.

Like for instance, you could use Zelle to send your friend $50 if you went out for launch with them and you want to pay them back for your meal.

There are uncountable service providers or small businesses, including babysitters, lawn care specialists and hairstylists, that accept payments via Zelle.

2. Enter the Recipient's Email Address or Phone Number

Any individual with a bank or credit union account in the United States can receive money from you using Zelle. All you need is the U.S mobile phone number or email address linked to the Zelle account.

3. Enter Desired Amount to Send

Now put in the amount you want to sent via Zelle.

4. Send the Money

Once you click "Send", your payment will be sent.

The money will reflect in your friend's bank account in just some few minutes if they already use Zelle.

In case they are not yet enrolled with Zelle, they will get a text or email explaining how to claim the payment if they are not already enrolled.

ALSO READ: Can Someone Hack Your Zelle With Your Phone Number?

Does Zelle Partner With All Of The Banks Globally?

With more and more banks getting into the team and an amazing app for those who want the most convenience, Zelle is the best way to send money.

Even though major banks like JP Morgan Chase just only recently begun supporting Zelle, the service has been in place since the year 2016, but they are now several ways to use it, meaning your money will be sent even more quickly.

According to them, this new partnership makes sending money simpler than it has ever been.

If My Bank Doesn't Support Zelle Can I Still Use It?

Yes you can use Zelle even if your bank does not offer the Zelle network.

It is now possible to use the service without a bank that is Zelle-compatible. To use it, you must first download and enroll in a valid Visa or Mastercard debit card.

You can use Zelle to transfer money without having to wait for your traditional bank account.

Why Doesn't Zelle Connect to My Personal Bank Account?

First of all, you should ensure that your bank's uses Zelle.

Incase Zelle does not support your bank, you can link your debit card directly to the Zelle app.

ALSO READ: Can I Send Money From PayPal to Zelle? (Yes, Here's How)

What Are Zelle Transfer Limits

It is necessary you know that your financial institution or Zelle itself may set transfer limits.

Below are a few instances:

  • Bank of America customers have a maximum Zelle transfer limit of $3,500 per day.
  • Chase personal checking account customers can send up to $2,000 in a single Zelle transaction and up to $2,000 per day. However, there are higher transfer limits available for Chase "private client" banking customers and businesses checking account holders.
  • Wells Fargo limits established customers to sending $3,500 in daily Zelle transfers, and it may impose a lower limit for customers who are still new to the platform.

If your financial institution is one that does not support Zelle, then you can send up to $500 per week using the Zelle app.

Is Zelle Safe?

Yes, Zelle is generally considered a safe and secure platform for sending and receiving money. It employs several security measures to protect users and their financial information. Here are some factors that contribute to the safety of Zelle:

1. User Authentication: To use Zelle, users must link their bank accounts to the platform and verify their identity through their respective banking institutions. This helps ensure that only authorized users can access and initiate transactions.

2. Encryption: Zelle uses encryption technology to safeguard the transmission and storage of data. This encryption helps protect personal and financial information from unauthorized access during the transaction process.

It is good you mostly use Zelle to pay friends, family, and certain small business owners who you know and trust properly.

Also, make sure that you have the correct email address or mobile number of the persona whom you wan to send money to.

However, it's important for users to remain vigilant and take precautions to ensure their own online safety.

I hope this information helps reassure you about the safety of Zelle! If you have any more questions or need further assistance, feel free to ask.

Final Thoughts: What Banks Use Zelle

Zelle is a fast, safe, and easy way to send and receive money with friends, family and others you know and trust.

Zelle works with many banks and the number of banks that use Zelle is not fixed since many banks keep on joining the team.

These are just a few examples of online banks that work with Zelle. It's important to note that support for Zelle may vary among different banks and specific account types within those banks. To ensure Zelle compatibility, it is recommended to check with the specific online bank you are interested in to confirm their Zelle integration.

Frequently Asked Questions

What banks are Zelle compatible with?

ABCO Federal Credit Union. Abington Bank. ABNB. Academy Bank. Access Community Credit Union. ACCESSbank Omaha. ACFCU. Achieva Credit Union.

Can Zelle send money to cash App?

sending money directly from Zelle to Cash App is not possible. You need to use a middleman, i.e., your bank account, to send money from Zelle to your Cash App. There's no way to link the account and routing numbers of Cash App to Zelle.

Why is My Zelle Payment Pending?

If the person receiving the Zelle payment has not signed up yet, the payment may be identified "pending". The recipient will have to provide their mobile phone number or email address in order to create a Zelle account.

Can I use Zelle for Small Businesses or to Pay small businesses?

Yes, due to its speed and lack of fees, Zelle can be a great way for small business owners to receive payments. In order to get money more quickly into your bank account, you might want to encourage your customers to pay you through Zelle if the amount they have to pay you is within their daily Zelle transfer limits.

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About the Author

Ketcha Brandon
I am Ketcha Brandon, An article writer, content creator, Video producer, Financial Consultant and a certified Google Publisher. I write content for Cashytransfer.com. Our website provide information on topics such as bank accounts, Money transfers,…

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