Zelle has rapidly grown to be a frontrunner when it comes to making payments, which is why most US banks have adopted the payment giant.
In fact, many U.S. banks, including the big names like Bank of America, U.S. Bank, Capital One, Wells Fargo Bank, Citi, Truist, JPMorgan Chase, and PNC Bank, among others, already use and take the Zelle app.
That said, the list of banks that have adopted and keep on adopting Zelle keeps growing and increasing.
In fact, over 2,100 banking apps offer Zelle as a money transfer service.
Most local banks, online banks, and big national banks with locations all over the country have adopted Zelle in their banking apps.
That's not a definite list since more and more banks and credit unions keep on partnering with Zelle.
With that said, providing a completely updated list of banks that use Zelle isn't possible, only Zelle can do so. Here's Zelle's updated list of banks that use the service.
You can also find out if your bank works with Zelle here.
Banks That Use Zelle Nationally In The USA
Though we can't list all U.S. banks that work with the Zelle app, here are some of the popular and 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
Small Regional US Banks That Use Zelle
Here are some small regional U.S. banks that use Zelle.
- SunTrust Bank
- MB Financial Bank
- M&T Bank
- KeyBank
- Home Street Bank
- Frost Bank
- Frederick County Bank
- First Tennessee Bank
International US Banks That Use Zelle
Here are some international US banks that use Zelle.
- Bank of America
- Citi Bank
- JP Morgan Chase
- Morgan Stanley
- Wells Fargo
Online Banks That Use Zelle
There are many online banks that use Zelle as of the present date.
Varo, Chime, and Ally Bank are some of the online banks that use Zelle among others.
You can search for online banks that use Zelle from here.
List Of Banks That Don't Use Zelle
Zelle is a popular financial app that has rapidly integrated most US banks countrywide.
While Zelle might seem popular among US banks, there are a couple of banks that don't use Zelle.
Listing out these banks would be very easy since Zelle is constantly integrating US banks. Nonetheless, the best way to get a list of banks that don't use Zelle is to identify all those who aren't listed on Zelle's supported banks and credit unions page.
Does Zelle Partner With All Of The Banks Globally?
With more banks already on board and a standalone app for those who want the most convenience, Zelle is the best way to send money.
Although major banks like JP Morgan Chase have only recently begun supporting Zelle, the service has been around since 2016, but there are now many ways to use it, which means your money will be spent even more quickly.
According to them, this new partnership makes sending money simpler than ever. However, not all banks currently provide the service.
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.
The service can now be used 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?
You should make sure your bank uses Zelle.
If Zelle does not support your bank, link your debit card directly to the Zelle app.
Frequently Asked Questions
Why is my Zelle payment pending?
If the recipient of the payment hasn't signed up for Zelle yet, the payment may be identified "pending." For the purpose of creating a Zelle account and receiving the payment, the recipient will need to provide their mobile phone number or email address.
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: What Banks Use Zelle
Zelle® is a fast, safe, and easy way to send and receive money with friends, family, and others you trust.
Sending and receiving money through Zelle is simple and straightforward once you've linked a bank account or debit card to your Zelle account.
Zelle works with many banks and the number of banks that use Zelle isn't fixed since many banks keep on integrating with Zelle.
