What Banks Use Zelle - List of 40 Best Banks (2024)

Zelle is a popular peer-to-peer (P2P) payment service that allows users to send and receive money quickly and easily using their mobile banking app or website. Zelle use more than 2000 U.S. banks and credit unions in the United States, including all of the major banks such as Bank of America, U.S Bank, Capital One, Wells Fargo Bank, Ally Bank, Citi, Truist, JPMorgan Chase, and PNC Bank, ABCO Federal Credit Union and more.

<<<<<<<<<<<<<<What Banks Use Zelle>>>>>>>>>>>>>>

List the 40 best banks that use Zelle

  1. Bank of America
  2. ABCO Federal Credit Union
  3. Wells Fargo
  4. PNC Bank
  5. Ally Bank
  6. Citizens Bank
  7. Abington Bank
  8. ABNB Federal Credit Union
  9. Academy Bank
  10. Access Community Credit Union
  11. ACCESSbank Omaha
  12. ACFCU
  13. Achieva Credit Union
  14. Alpine Bank
  15. Altamaha Bank
  16. US Bank
  17. Capital One
  18. Chase
  19. Citi bank
  20. Fifth Third Bank
  21. Discover Bank
  22. BECU
  23. First Horizon Bank
  24. American Bank of Missouri
  25. Amarillo National Bank
  26. Ameris Bank
  27. Amerant Bank
  28. American First National Bank
  29. American National Bank of MN
  30. Alma Bank
  31. Aloha Pacific FCU
  32. Alpine Bank
  33. Alta Vista Credit Union
  34. Altamaha Bank
  35. Altana Federal Credit Union
  36. Lisle Savings Bank
  37. Listerhill Credit Union
  38. Llano National Bank
  39. Logansport Savings Bank
  40. Logix Federal Credit Union

In addition to these large banks, Zelle is also available at many smaller regional banks and credit unions. To find out if your bank offers Zelle, you can visit the Zelle website or check with your bank directly.

<<<<<<<How to Receive Money From Zelle Without Bank Account>>>>>>>>

How to use Zelle

To use Zelle, you will need to create a Zelle account using your email address and mobile phone number. Once you have created an account, you can start sending and receiving money from other Zelle users.

To send money, simply enter the recipient's email address or mobile phone number and the amount you want to send. Zelle will then verify the recipient's information and send them the money. The recipient will typically receive the money instantly, but it may take up to three business days for the money to appear in their account.

To receive money, simply provide the sender with your email address or mobile phone number. Zelle will then send you a notification that you have received money. You can then accept the money and it will be deposited into your bank account.

Fees

Zelle is free to use for most users. However, some banks may charge a fee for using Zelle. For example, Chase charges a $1 fee for sending money to someone who is not a Chase customer.

Security

Zelle uses a variety of security measures to protect users' money and information. Zelle transactions are encrypted and Zelle uses fraud detection systems to identify and prevent fraudulent activity.

Benefits of using Zelle

  • Convenience: Zelle is a convenient way to send and receive money from friends and family. Money is typically transferred instantly, so you don't have to wait for a check to clear.
  • Security: Zelle is a secure way to send and receive money. Zelle uses a variety of security measures to protect users' money and information.
  • Speed: Zelle transfers are typically processed instantly, so the recipient will typically receive the money within minutes.
  • Affordability: Zelle is free to use for most users. However, some banks may charge a fee for using Zelle.

Tips for using Zelle safely

  • Only send money to people you know and trust.
  • Be careful about sending money to people who are asking for money in exchange for goods or services.
  • Do not send money to someone who is asking for your personal information, such as your Social Security number or bank account number.
  • If you receive a request for money from someone you don't know, do not send the money.
  • If you think you may have been the victim of a Zelle scam, contact your bank immediately.

Conclusion

Zelle is a popular and convenient P2P payment service that is available to users of over 1,300 financial institutions in the United States. Zelle is a secure and affordable way to send and receive money from friends and family.

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Frequently Asked Questions (FAQ)

Does Zelle work with all banks?

No, Zelle does not work with all banks. However, it is available at most major banks and many smaller regional banks and credit unions. To find out if your bank offers Zelle, you can visit the Zelle website or check with your bank directly.

What other country uses Zelle?

Zelle is only available in the United States.

Can you send $10,000 through Zelle?

Yes, you can send $10,000 through Zelle. However, there may be daily or weekly limits on how much money you can send. You should check with your bank for their specific limits.

Can Zelle transfer $5,000?

Yes, Zelle can transfer $5,000. However, there may be daily or weekly limits on how much money you can send. You should check with your bank for their specific limits.

What is Zelle limit?

The Zelle limit varies depending on your bank. However, most banks have a daily limit of $1,000 and a weekly limit of $5,000. You should check with your bank for their specific limits.

What is the PayPal transfer limit?

The PayPal transfer limit is $60,000 per year for verified users. However, there are also daily and weekly limits on how much money you can send. You can increase your limits by verifying your PayPal account and providing additional information.

Can I use Zelle without a debit card?

Yes, you can use Zelle without a debit card. You can link your bank account directly to Zelle and send and receive money without using a debit card.

Is Zelle instant transfer?

Yes, Zelle transfers are typically instant. However, it may take up to three business days for the money to appear in the recipient's account.

Does Zelle work internationally?

No, Zelle does not work internationally. Zelle is only available in the United States.

What Banks Use Zelle - List of 40 Best Banks (2024)

FAQs

Which banks work best with Zelle? ›

12 online banks that use Zelle
  • Ally Bank.
  • Bank5 Connect.
  • Bank7.
  • Capital One.
  • Charles Schwab Bank.
  • CIBC U.S.
  • CIT Bank.
  • Discover® Bank.
Feb 8, 2024

What checking bank is free with Zelle? ›

Sending, requesting and receiving money with Zelle® is always free for U.S. Bank clients.

What prepaid banks are compatible with Zelle? ›

Zelle only accepts prepaid cards from a few of the Zelle Network Banks. The Zelle Network Banks are traditional brick-and-mortar banks. Prepaid cards that work with Zelle include; Access 360° Prepaid Card, PNC SmartAccess® Prepaid Visa® Card and the Chase Liquid Card (now called Chase Secure Banking).

What bank has the highest Zelle limit? ›

Zelle Limits at Top Banks
BankDaily LimitMonthly Limit
Bank of America$3,500$20,000
Capital One$2,500Not listed
Chase*$500 to $10,000Not listed
Citibank*$500 to $5,000$2,500 to $20,000
5 more rows
Sep 10, 2024

How to receive money from Zelle without a bank account? ›

You may find you can't use Zelle without a bank account - the only commonly available workaround is by using an eligible prepaid Visa or Mastercard debit card from within the Zelle network.

Can Zelle be used with different banks? ›

You can use it with friends at other banks.

Zelle® works between U.S.-based banks. Which means, even if you bank somewhere different than your friends and family do,1 you can still use Zelle® to safely send and receive money straight from your banking app.

Does Zelle work with Cash App? ›

No, users cannot transfer money directly between Cash App and Zelle. However, you can link your bank account to Zelle and Cash App and transfer money between the two.

What payment network does Zelle use? ›

The Zelle Network has more than 1600 financial institutions, including the network partners Mastercard, Visa and processor partners such as FIS, Fiserv, and Jack Henry & Associates.

Can I use Zelle with Chime? ›

You cannot use Zelle services through the app as Chime is a financial technology company and not a bank. You can use your Chime debit card to make and receive payments, but you can only send or receive money through Zelle if the other person uses Zelle via their financial institution, not the Zelle app.

What is the downside of using Zelle? ›

Zelle sells itself as a secure money transfer app because it doesn't store your personal information. Your details stay secure with your bank and are never visible to Zelle. However, the downside to instant money transfers is that you may not be able to cancel transactions once they are made.

How does Zelle work if your bank is not listed? ›

If your bank or credit union is NOT listed, then download the Zelle® app and enroll your Visa® or Mastercard® debit card. Note: Make sure you check that the email address or U.S. mobile number that you provided to the sender is enrolled with Zelle®.

What is the Zelle limit for Wells Fargo? ›

This $3,500 daily send limit is still indicated in section 10. D. of Wells Fargo's Zelle Transfer Service Addendum, updated 5/31/2024: https://www.wellsfargo.com/online-banking/transfers/zelle-terms/#dollar-amount).

Is Zelle good for all banks? ›

What Banks Use Zelle? Zelle is compatible with nearly all major banks, and most even have the service integrated into their mobile banking app. Consumers who download Zelle's standalone app must provide a phone number or email and debit card information to be able to receive and send funds.

Is Zelle safer than Venmo? ›

Both of the payment services are decently safe, have user-friendly interfaces, and allow you to conveniently send money when you need it. Zelle stands out from Venmo with its absence of instant transfer fees, but it also cannot be used as a wallet. So, if you need a wallet function, you should go for Venmo .

Does Zelle work with Cash app? ›

No, users cannot transfer money directly between Cash App and Zelle. However, you can link your bank account to Zelle and Cash App and transfer money between the two.

What are the pros and cons of Zelle? ›

Zelle sells itself as a secure money transfer app because it doesn't store your personal information. Your details stay secure with your bank and are never visible to Zelle. However, the downside to instant money transfers is that you may not be able to cancel transactions once they are made.

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