In today's fast-paced world, sending and receiving money should be as seamless as a click of a button. That's where Zelle comes in.
As a leading peer-to-peer payment platform, Zelle has revolutionized the way people transfer funds in the United States.
In a nutshell, Zelle is a P2P payment service that allows people to send and receive money from one bank account to the next.
Zelle typically works with US banks and credit unions, but what banks use Zelle? That's what we'll be seeing today.
In this article, we'll see what banks use Zelle, including traditional and online banks that use Zelle. Read? Let's dive in.
Table of Contents
What Banks Use Zelle?
According to the latest reports, over 2,100 banks and credit unions have partnered with Zelle and now offer Zelle as a money transfer option in their banking app.
This is a massive increase as only 1,240 US banks offered Zelle through their banking apps.
With that said, only Zelle can provide an updated list of banks that use Zelle as new banks are adopting the service into their banking apps.
For a complete list of banks that use Zelle consider checking Zelle's official page.
Also Read: What Prepaid Cards Work With Zelle?
Local Banks That Use Zelle In The USA
While we can't provide a complete list of local banks that use Zelle, here's a list of some of the top banks that use Zelle.
- Ally Bank
- Bank of Hawaii
- Bank of the West
- BB&T
- BECU
- Capital One
- Citizens Bank
- Comerica Bank
- ConnectOne Bank
- Dollar Bank
- First National Bank
- FirstBank
- Fifth Third Bank
- U.S. Bank
- TD Bank
- USAA
- PNC Bank
International US Banks That Use Zelle
- Bank of America
- Citi Bank
- JP Morgan Chase
- Morgan Stanley
- Wells Fargo
Online Banks That Use Zelle
While Zelle does not work with all online banks in the US, it does work with a couple of them, which include:
Can I Use Zelle With Any Bank?
Yes, you can use Zelle with any US bank as long as it is recognized by banking regulations.
Can I Use Zelle Without A Bank Account?
Yes, you can use Zelle without a bank account. You can do so by linking a debit card to your Zelle account which will serve as a funding source for your transactions.
What Credit Unions Use Zelle?
There are many credit unions that use Zelle some of which include:
- ABCO Federal Credit Union.
- Abington Bank.
- ABNB.
- Academy Bank.
- Access Community Credit Union.
- ACCESSbank Omaha.
- ACFCU.
- Achieva Credit Union.
Frequently Asked Questions
Is there a way to increase my Zelle limit for sending money?
Contact your financial institution to raise your Zelle limit. Limits may be specific to your type of account or they may apply to all bank customers. Your weekly send limit is $500 if your bank doesn't support Zelle and you use the app to send and receive money; there is no way to ask for a higher limit.
Can I use Zelle for my small business, or to pay a small business?
Yes. Because of its speed and lack of fees, Zelle can be a great way for small business owners to receive payments. In order to get money into your bank account more quickly than with a check or ACH transfer, you might want to encourage your customers to pay you via Zelle if their payment amounts are within their daily Zelle transfer limits.
However, keep in mind that Zelle does not provide the same payment protections as a credit card or debit card if you're considering using it to pay a small business owner for goods or services. You might not have the same chances of receiving a refund for a Zelle payment if you are unhappy with the product or if the company engages in dishonest business practices. So be sure to only use Zelle with service providers and small businesses that you are familiar with and confident in. Use a credit card to make your payment if you want greater security protection.
Can I use Zelle if I don't have a smartphone?
If your bank or credit union supports Zelle, you can send or receive payments using its online banking platform even if you don't have a smartphone. However, you won't be able to use Zelle if your institution does not offer it and you do not have a smartphone to download the Zelle mobile app.
Final Thoughts
Zelle has become a game-changer in the world of money transfer, offering users a convenient and secure way to send and receive funds. With its widespread adoption, numerous banks have partnered with Zelle to provide their customers with the benefits of this innovative platform.
Whether you bank with a major institution like Bank of America or Wells Fargo, or a regional bank like SunTrust or KeyBank, chances are you can take advantage of Zelle's seamless money transfer capabilities.
However, it's always a good idea to check with your specific bank to confirm their integration with Zelle, as the list of partner banks continues to grow and evolve.