Megan Brooks
Zelle is a peer-to-peer payment tool that allows users to send money between US bank accounts. It is available in over 2,200 banking apps in the US, including online banks, traditional banks, and credit unions. While Zelle does not charge a fee for instant transfers, banks are allowed to charge a fee for Zelle transfers involving their accounts. If your bank does not offer Zelle, you can still use the service by downloading the Zelle app and enrolling with a Visa or Mastercard debit card. However, there are limits on the amount you can send and receive through the app.
| Characteristics | Values |
|---|---|
| Number of financial institutions supporting Zelle | Over 2,200 |
| Number of financial institutions in the Zelle network | More than 1,600 |
| Whether Zelle is available in banking apps | Available in over 2,200 banking apps in the U.S. |
| Whether Zelle charges a fee for money transfers | No |
| Whether banks charge a fee for Zelle transfers involving their accounts | Allowed to charge a fee but they generally do not |
| Whether Zelle is a standalone app | Yes, but it was shut down in April 2025 |
| Whether Zelle is a peer-to-peer payment tool | Yes |
| Whether Zelle is safe | Yes |
| Whether Zelle is fast | Yes |
| Whether Zelle is easy to use | Yes |
| Whether Zelle is available outside the U.S. | No |
| Whether both sender and recipient need to have a bank in the Zelle network | No, but at least one person must have a bank in the network |
| Limit on the amount that can be sent weekly if the bank does not offer Zelle | $500 |
| Limit on the amount that can be received weekly if the bank does not offer Zelle | $5,000 |
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What You'll Learn
Banks that use Zelle
Zelle is a money transfer service that allows users to send, request, or receive funds from friends and family, typically within minutes and for free. Zelle is available in over 2,200 banking apps in the US, including many banks' mobile apps.
Some banks that use Zelle include:
- Amerant Bank, N.A.
- American Plus Bank, N.A.
- Anderson County F.C.U.
- Arrow Bank N.A.
- Associated Bank N.A.
- Bank of Abbeville & Trust Co.
- Bank of St. Croix
- Citizens Bank & Trust Co. (NE)
- City Bank & Trust Co.
- CNB Bank & Trust, N.A.
- Community Bank N.A.
- Community Trust Bank Inc.
- D.L. Evans Bank Mobile
- Decorah Bank and Trust Co.
- ETRADE: Invest. Trade. Save.
- Enterprise Bank & Trust Co.
- First Bank & Trust Co.
If your bank does not offer Zelle, you can still use the service by downloading the standalone Zelle app. However, there are lower limits on the amount you can send and receive. As of April 1, 2025, users must enrol at a bank or credit union that offers Zelle to continue using the service.
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Banks that don't use Zelle
Zelle is a popular way to send and receive money, and it is available in over 2,200 banking apps in the United States. However, not all banks have partnered with Zelle to offer this service to their customers. Here is a list of banks that do not currently use Zelle:
- Alliant Credit Union: This financial institution does not participate directly in the Zelle network, according to NerdWallet.
- Barclays: Barclays is another notable bank that does not use Zelle, as reviewed by NerdWallet.
- Connexus Credit Union: Connexus Credit Union customers will also need to look for alternative ways to transfer money, as they do not have direct access to Zelle.
- LendingClub Bank: LendingClub Bank is not a participant in the Zelle network, so its customers will need to use other means for sending and receiving money.
- Marcus by Goldman Sachs: This financial institution, while well-known, does not offer Zelle as an option for its customers.
- Synchrony Bank: Synchrony Bank customers will also need to explore other options for transferring money, as Synchrony is not a part of the Zelle network.
- Simple Bank: Simple Bank, an online-only bank, does not use Zelle.
- BBVA: BBVA, Simple Bank's parent bank, also does not have Zelle. However, there are indications that this may change in the future.
- SoFi Money: According to a user on Reddit, SoFi Money does not use Zelle. SoFi is an online bank, and it is known that many online banks are not part of the Zelle network.
- Varo: Varo is another online bank that, according to a Reddit user, is not a part of Zelle.
It is important to note that this list may not be exhaustive, as Zelle's network of participating financial institutions is always growing. If your bank does not offer Zelle, you can still use the Zelle app with a Visa or Mastercard debit card, albeit with lower transaction limits.
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Zelle's standalone app
Zelle is a money transfer service that is available in over 2,200 banking apps in the U.S. It is a convenient way to send money to friends, family, and trusted individuals, even if they bank with a different provider than you. Zelle is unique in that it does not actually transfer money between bank accounts. Instead, it uses the email address or mobile phone number of the recipient to notify their financial institution of an incoming payment. The financial institution then directs the payment to the recipient's bank account, keeping sensitive account details private.
While Zelle is widely available, not all banks offer it directly. Some notable financial institutions that do not participate in the Zelle network include Alliant Credit Union, Barclays, Connexus Credit Union, LendingClub Bank, Marcus by Goldman Sachs, and Synchrony Bank. In addition, non-bank fintech apps such as Chime, Current, and Greenwood are not in Zelle's network.
If your bank does not offer Zelle, you can still use the service through the Zelle standalone app. The app allows you to send up to $500 per week and receive up to $5,000. To use the app, you can enrol with a Visa or Mastercard debit card. However, it is important to note that at least one person in the transaction must have a bank account that is part of the Zelle network for the transfer to work.
The Zelle app also provides helpful features such as locating a bank or credit union that offers Zelle and providing guidance on how to use the service safely. However, there have been some user reviews mentioning issues with the app, including difficulties in changing bank cards and delays in receiving payments.
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Zelle's network partners
Zelle is a peer-to-peer payment tool that allows users to send money between US bank accounts. It is available in over 2,200 banking apps in the US, including online banks, traditional banks, and credit unions. Zelle does not charge users a fee for money transfers, but banks may charge a fee for transfers involving their accounts.
To use Zelle, users must enrol their email address or US mobile number through their mobile banking app. Once enrolled, users can send money to other registered Zelle users by entering the recipient's email address or mobile phone number. The Zelle network then notifies the recipient's financial institution of the incoming payment, and the money is typically available to the recipient within minutes.
It is important to note that either the sender or recipient must belong to a bank or credit union that offers Zelle for a transfer to work. If a user's bank does not offer Zelle, they can still send up to $500 per week and receive up to $5,000 per week in the Zelle app.
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Zelle's transaction limits
Zelle is a mobile payment service that enables users to send money electronically from their bank account. It is available in over 2,000 banking apps in the U.S. However, Zelle transaction limits vary depending on whether you are using the Zelle app directly or through a bank in Zelle's network.
If you are using the Zelle app directly and not through a bank, you can send up to $500 per week and receive up to $5,000 per week. These limits cannot be changed.
On the other hand, if you are using Zelle through a bank in its network, the transaction limits may be higher, but they vary depending on the bank. For example, Chase customers with personal checking accounts can transfer up to $2,000 per day, while private client or business checking accounts can send up to $5,000 per day. It's important to check with your bank to find out the specific limits for sending and receiving money through Zelle.
Additionally, some banks may offer separate Zelle limits for small business bank accounts and personal accounts. Banks may also provide the option to transfer money through Zelle instantly or through a standard payment that takes between one and three days, with higher limits for the standard method.
It's worth noting that Zelle transactions are typically limited to sending money to other Zelle users, and the service is not available for international transfers. While Zelle is considered a safe way to send and receive money, there is a fraud risk, so it's important to only use it with people you know and trust.
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Frequently asked questions
No, not all banks have access to Zelle. Zelle is available in over 2,200 banking apps in the U.S.
You can check if your bank has access to Zelle by searching for it on Zelle's website or app.
If your bank doesn't have access to Zelle, you can still use the service by downloading the Zelle app and enrolling with a Visa or Mastercard debit card. You can send up to $500 per week and receive up to $5,000.
