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What is Zelle?
Since its inception in June 2017, Zelle’s instant payment service has exploded in popularity. It has established itself as one of the most widely used methods of money transfer in the United States.
Zelle, a digital payment network, is housed under the umbrella of Early Warning Services, LLC (EWS). EWS is a private financial services company jointly owned by some of the largest names in banking. These include Bank of America, Capital One, JPMorgan Chase, PNC Bank, Truist, U.S. Bank, and Wells Fargo.
How does Zelle work?
Zelle users can quickly send money to other registered Zelle users for free. Anyone can download the Zelle app. However, if your bank or credit union partners with Zelle, you can enroll through your bank’s mobile banking app or website.
To send money via Zelle, all you need is the recipient’s phone number or email address. Once you’ve confirmed the payment, they will receive a text message or email with a link to accept it.
There are currently more than 1,190 banks that use Zelle in the U.S. Below is the full list.
Full Listing of Banks That Use Zelle (A-Z)
Banks Starting With # or A
- 1st Bank of Sea Isle City
- 1st Century Bank
- 1st Colonial Community Bank
- 1st National Bank
- 1st Source Bank
- 1st State Bank
- 1st Trust Bank
- Abington Bank
- Academy Bank
- ACCESSbank Omaha
- ACNB Bank
- Adirondack Bank
- Advancial
- Albany Bank & Trust
- Alden State Bank
- ALEC
- Algonquin State Bank
- Alliance Bank
- Allied First Bank
- Ally Bank
- Alma Bank
- Alpine Bank
- Altamaha Bank and Trust
- Amalgamated Bank of Chicago
- Amalgamated Bank (NY)
- Amarillo National Bank
- Ambler Savings Bank
- Amegy Bank
- Amerant Bank
- American Bank
- American Bank and Trust
- American Bank of Missouri
- American Bank, N.A.
- American Commercial Bank Trust
- American Community Bank NY
- American Community Bank Trust
- American First National Bank
- American Investors Bank
- American National Bank & Trust
- American National Bank of MN
- American National Bank of TX
- American Savings Bank
- American State Bank and Trust
- Ameris Bank
- AMG National Trust Bank
- Anchor Bank
- Anderson Brothers Bank
- Andrew Johnson Bank
- Anstaff Bank
- Apple Creek Banking Company
- Arbor Bank
- Arizona Bank & Trust
- Armed Forces Bank
- Armstrong Bank
- Arthur State Bank
- Arvest Bank
- Aspire Banking
- Associated Bank N.A.
- Astra Bank
- Atlantic Capital Bank
- Atlantic Union Bank
Banks Starting With B
Banks Starting With C
Banks Starting With D
- DL Evans Bank Mobile
- Dacotah Bank
- Dairy State Bank
- Dallas Capital Bank, NA
- Dean Bank
- Dedham Savings
- Desjardins Bank N.A
- Dewitt Savings Bank
- Dime Community Bank
- Discover Bank
- Dogwood State Bank
- Dollar Bank, FSB
- Dominion Bank
- Drake Bank
- Dubuque Bank & Trust
- DuGood
- Dundee Bank
Banks Starting With E
- Eagle Bank
- East West Bank
- Eastern Bank
- Eastern Colorado Bank
- Eastern Michigan Bank
- Eclipse Bank
- Edmonton State Bank
- Elements Financial
- Embassy Bank For Lehigh Valley
- Embassy National Bank
- Empire State Bank
- Endeavor Bank
- Englewood Bank & Trust
- Enterprise Bank
- Enterprise Bank & Trust
- Enterprise Bank & Trust Co.
- Enterprise Bank of SC
- Envision Bank
- Ephrata National Bank
- Equitable Bank
- Erie Bank
- ESSA BANK & TRUST
- Eureka Savings Bank
- Exchange Bank
- Exchange Bank (CA)
- Exchange Bank of NE Missouri
- Excite Mobile Banking
Banks Starting With F
Banks Starting With G
- Gate City Bank
- Gateway First Bank
- Generations Bank
- Genesis Bank
- Geo D. Warthen Bank
- Georgia Banking Company
- Georgia Community Bank
- German American Bank
- Gibsland Bank & Trust
- Glens Falls National Bank
- Glenwood State Bank
- Golden Valley Bank
- Gorham Savings Bank
- Grand Ridge National Bank
- GrandSouth Bank
- Grandview Bank
- Great Plains National Bank
- Great Plains State Bank
- Greater Community Bank
- GreenLeaf Bank
- Greenville Savings Bank
- Grove Bank
- Grove Bank & Trust
- Grundy Bank
- GTE Financial
- Guadalupe Bank
- Guaranty Bank
- Guaranty Bank – MS
- Guaranty Bank & Trust
- Guaranty Bank (SFC)
- Guardians
- Gulf Capital Bank
- Guthrie County State Bank
Banks Starting With H
- Habib American Bank
- Haddon Savings Bank
- Hanmi Bank
- Hanover Bank
- Happy State Bank
- Harrison County Bank
- Hawthorn Bank
- Hearthside Bank
- Heartland Bank (NE)
- Hendricks County Bank
- Heritage Bank (KY)
- Heritage Bank MN
- Heritage Bank of Commerce
- Heritage Bank of Schaumburg
- Heritage Community Bank
- Heritage Community CreditUnion
- Heritage Southeast Bank
- Hickory Point Bank and Trust
- Highland Bank
- Hillcrest Bank
- Hilltop Bank
- Hinsdale Bank and Trust
- Holcomb Bank
- Home Bank
- Home Federal Bank of TN
- Home National Bank
- Home Savings Bank
- Home State Bank
- Home State Bank, IL
- Home Trust & Savings Bank
- Home-Federal Bank
- Homeland Community Bank
- HomeStreet Bank
- HomeTrust Bank
- Horizon Bank
- Hoyne Savings Bank
- Huntingdon Valley Bank
- Huntington Bank
- Huntington FSB
- Huron Community Bank
- Hyperion Bank
Banks Starting With I
- Idaho Trust Bank
- iGObanking
- Illiana Financial
- Illinois Bank & Trust
- InBank
- IncredibleBank
- Independence Bank – Montana
- Independent Bank
- Infinity Bank
- INSOUTH Bank
- Integrity Bank for Business VA
- Interamerican Bank
- International Finance Bank
- Intracoastal Bank
- INTRUST Bank
- Investar Bank
- Investors Bank
- Iowa State Bank
- Iowa Trust and Savings Bank
- Ireland Bank
- Iron Workers Bank
- Iroquois Federal Savings
- Isabella Bank
- Israel Discount Bank of NY
- Ixonia Bank
Banks Starting With J
- JBT
- JCBank
- JD Bank
- Jefferson Bank
- Jersey Shore State Bank
- John Marshall Bank
- Johnson Financial
- Jones Bank
- Jonesburg State Bank
Banks Starting With K
- Kalamazoo County State Bank
- Karnes County National Bank
- Katahdin Trust Company
- Kearny Bank
- KEB Hana Bank USA
- Kennebunk Savings Bank
- KeyBank
- KeySavings Bank
- KeysBank
- Keystone Bank
- Kingston National Bank
Banks Starting With L
- Ladysmith Federal
- Lafayette State Bank
- Lake City Bank
- Lake Forest Bank
- Lake Shore Savings
- Lakeland Bank
- Lakeside Bank
- Lakeside Bank Chicago
- Lamar National Bank
- Landmark National Bank
- Laona State Bank
- LCFB
- Lea County State Bank
- Lead Bank
- Leader Bank
- Ledyard National Bank
- Lee Bank
- Lee Bank Mobile Banking
- Legacy National Bank
- Legend Bank
- Level One Bank
- Lexicon Bank
- Liberty Bank
- Liberty Bank for Savings
- Liberty Capital Bank
- Liberty National Bank
- Liberty National Bank (OH)
- Liberty Savings Bank
- Libertyville Bank
- LifeStore Bank
- Lisle Savings Bank
- Llano National Bank
- Logansport Savings Bank
- Lone Star National Bank
- Lone Star State Bank of WT
- Longview Bank
- Longview Bank & Trust
- Louisiana National Bank
- Lowry State Bank
- Loyal Trust Bank
- Lubbock National Bank
- Lumbee Guaranty Bank
- Luther Burbank Savings
- Luzerne Bank
- Lyons National Bank
Banks Starting With M
- M AND P BANK
- M C Bank
- M&F Bank
- M&M Bank
- M&T Bank
- M1 Bank
- MA Bank
- Mabrey Bank
- Machias Savings Bank
- Magnifi Financial
- Magnolia State Bank
- Magyar Bank
- Main Street Bank
- Malvern National Bank
- Manasquan Bank
- Maple Bank
- Marblehead Bank
- Marion Center Bank
- Marquette Bank
- Marquette Savings Bank
- Mars Bank Mobile Banking
- Marthas Vineyard Bank
- Maspeth Federal Savings
- MCBank
- McClain Bank
- McHenry Savings Bank
- McIntosh County Bank
- MCNB Banks
- Meade County Bank
- Meadows Bank
- Mediapolis Savings Bank
- MemoryBank
- Mercer County State Bank
- Merchants & Farmers Bank Green
- Merchants Bank
- Merchants Bank of Indiana
- Merchants National Bank
- Meredith Village Savings Bank
- Meridian Trust
- Merrimack County Savings Bank
- Metairie Bank
- Metro City Bank
- Metropolitan Bank
- Metropolitan Commercial Bank
- Mi BANK
- Mid America Bank
- Mid America Bank – Kansas
- Mid Penn Bank
- Middlefield Bank
- Middletown Valley Bank
- MidFirst Bank
- Midland States Bank
- MidSouth Bank
- MIDWEST BANK
- Midwest Bank – Minnesota
- Midwest BankCentre
- Midwest Bk
- Midwest Community Bank
- Midwest Heritage
- MidWestOne Bank
- Milford Federal
- Millennium Bank
- Minnesota Bank & Trust
- MINNSTAR BANK
- Minster Bank
- MNB Bank
- Monifi
- Monona Bank
- Monson Savings Bank
- Montecito Bank & Trust
- Montgomery Bank Mobile Banking
- Monticello Banking Company
- Morgan Stanley
- Mound City Bank
- Mountain Valley Bank
- Mountain View Bank of Commerce
- MPH Bank
Banks Starting With N
- Nano Banc
- Natbank, N.A.
- National Bank of Arizona
- National Bank of Blacksburg
- National Bank of Indianapolis
- National Capital Bank
- NBC Oklahoma
- NBT Bank
- Nebraska State Bank & Trust Co
- NebraskaLand Bank
- Needham Bank
- Neighborhood National Bank
- Nokoosa Port Edwards Bank
- Nevada State Bank
- New Frontier Bank
- New Mexico Bank & Trust
- New Millennium Bank
- New York Community Bank
- Newburyport Bank
- Newtown Savings Bank
- NexTier Bank
- NGNB
- Nicolet National Bank
- Noah Bank
- NobleBank & Trust
- North Dallas Bank & Trust Co
- North Shore Bank, FSB
- North Star Bank
- North State Bank
- Northbrook Bank
- Northeast Bank
- NorthEast Community Bank
- Northern Trust
- Northfield Bank
- NorthSide Community Bank
- Northumberland National Bank
- Northwest Bank
- Northwest Bank & Trust Co
- Northwest Bank (PA)
- Northwestern Bank
- Northwestern Bank (IA)
- Norway Savings Bank
Banks Starting With O
- Oak Bank
- Oakwood Bank
- Oakworth Capital Bank
- OCEAN Bank
- Ocean Financial
- Oconee Federal
- Ohio State Bank
- Old Dominion National Bank
- Old Missouri Bank
- Old National Bank
- Old Plank Trail Bank
- Old Point National Bank
- Old Second Bank
- OMB
- One Florida Bank
- OneWest Bank
- Open Bank
- Opportunity Bank of Montana
- Orange Bank & Trust Company
- Origin Bank
- Osgood State Bank
- Ozarks Federal Savings & Loan
Banks Starting With P
- Pacific Alliance Bank
- Pacific City Bank
- Pacific Premier Bank
- Pacific West Bank
- Park Bank
- Park National Bank
- Park Ridge Community Bank
- Parkway Bank
- Partners Bank
- Pathfinder Bank
- Patterson State Bank
- PCB Bank
- Peapack-Gladstone Bank
- Pegasus Bank
- Penn Community Bank
- Peoples Bank
- Peoples Bank & Trust Co
- Peoples Bank (IN & IL)
- Peoples Bank (TX)
- Peoples Bank (WA)
- Peoples Bank IA
- Peoples Bank of Alabama
- Peoples Bank of East Tennessee
- Peoples Bank of Altenburg
- Peoples Bank of Graceville
- Peoples Bank of Kankakee City
- Peoples Bank of Kentucky
- Peoples Bank of Paris Texas
- Peoples National Bank
- Peoples State Bank (WI)
- Peoples State Bank Plainview
- Peoples State Bank, Hville
- Peoples Trust Company
- PeoplesBank
- Persons Banking Company
- Peru Federal Savings Bank
- Peshtigo National Bank
- Philo Exchange Bank
- Phoenixville Federal B&T
- Piedmont Federal Savings Bank
- Pinnacle Bank
- Pinnacle Bank (CA)
- Pinnacle Bank (GA)
- Pinnacle Bank Texas
- Pinnacle Bank Wyoming
- Pinnacle Financial Partners
- Pioneer Bank
- Pioneer Bank (VA)
- Pioneer Bank MN
- Piscataqua Savings Bank
- Pittsfield Cooperative Bank
- PlainsCapital Bank
- Planters Bank Mobile Banking
- Platte Valley Bank NE
- Platte Valley Bank WY
- Plus International Bank
- PNC Bank
- Poca Valley Bank
- Points West Community Bank
- Ponce Bank
- Port Washington State Bank
- Prairie Community Bank
- Preferred Bank
- Premier Bank of the South
- Premier Valley Bank
- PremierBank Wisconsin
- Primebank
- PrimeSouth Bank
- Primis
- Progressive Bank
- PromiseOne Bank
- Prospect Bank
- Prosperity Bank
- Provident Bank
- Provident Bank (CA)
- Prudential Bank
- PyraMax Bank
Banks Starting With Q
- Quad City Bank & Trust
- Quail Creek Bank
- Quaint Oak Bank
- Queenstown Bank
- Quontic Bank
Banks Starting With R
- R.Bank
- Red River Bank
- Redstone Bank
- Redwood Capital Bank
- Regions Bank
- Reliabank
- Reliance Bank
- Reliance Bank (PA)
- Renasant Bank
- Republic Bank
- Republic Bank of Chicago
- Rhinebeck Bank
- Richwood Bank
- Riddell National Bank
- Ridgewood Savings Bank
- Rio Bank
- Rising Bank
- River Bank
- River City Bank
- River City Bank (KY)
- Roanoke Rapids Savings Bank
- Rochelle Bank
- Rockland Savings Bank
- Rockland Trust
- Rockpoint Bank
- Rocky Mountain Bank
- Round Top State Bank
- Royal Business Bank
- RSI Bank
Banks Starting With S
- S&T Bank
- Sabine State Bank and Trust
- Salem Five Cents Savings Bank
- San Luis Valley Federal Bank
- Sandhills Bank
- Sandhills State Bank
- Sandy Spring Bank
- Sanibel Captiva Community Bank
- Santa Cruz County Bank
- Santander Bank
- Saratoga National
- Savings Bank of Walpole
- Sawyer Savings Bank
- Schaumburg Bank
- Schuyler Savings Bank
- Scottsdale Community Bank
- Seacoast Bank
- SECURITY BANK (OK)
- Security Bank Laurel NE
- Security Federal Bank
- Security First Bank
- Security National Bank IA
- Security National Bank of SD
- Security Savings Bank
- Security State Bank – Wyoming
- Seneca Savings
- Settlers Bank
- SFC Bank
- Shore United Bank
- Silicon Valley Bank
- Simmons Bank
- Skyline National Bank
- SmartBank
- SNB Bank, N.A.
- Solutions Bank
- Somerset Savings
- South GA Banking Co
- South Shore Bank
- South Story Bank & Trust
- SOUTHERN BANK
- Southern Bank and Trust Co
- Southern First Bank
- Southern Independent Bank
- Southern Michigan Bank and Trust
- SouthPoint Bank
- Southside Bank
- SouthStar Bank
- SouthState
- Southwest Missouri Bank
- Southwestern National Bank
- SpiritBank
- Spratt Savings Bank
- Spring Bank
- Spring Bank Brookfield WI
- Springs Valley Bank & Trust Co
- SSB Kenyon
- St. Ansgar State Bank
- St. Charles Bank
- Starion Bank
- State Bank Financial
- State Bank of Cross Plains
- State Bank of Southern Utah
- State Bank of the Lakes
- Stephenson National B&T
- Stockman Bank of Montana
- Suffolk Federal
- Sullivan Bank
- Summit Bank
- Summit Community Bank
- Sundance State Bank
- Sunflower Bank, N.A.
- Sunstate Bank
- Surrey Bank
- Susquehanna Community Bank
- Susser Bank
- Sutton Bank
- Synovus Bank
Banks Starting With T
- Tandem
- TBK Bank, SSB
- TC Federal Bank
- TCBT
- TD Bank N.A.
- Terrabank
- Territorial Savings Bank
- Texas Bank and Trust Company
- Texan Bank NA
- Texas Capital Bank
- Texas First Bank
- Texas National Bank RGV
- Texas National- Jacksonville
- Texas Regional Bank
- Texas Security Bank
- The Andover Bank
- The Bank
- The Bank & Trust ssb
- The Bank of Elk River
- The Bank of Hemet
- The Bank of Missouri
- The Bank of New Glarus
- The Bank of Princeton
- The Bank of Southside VA
- The Bank of Tampa
- The Bank of Tescott
- The Berkshire Bank
- The Callaway Bank
- The Citizens Bank
- The Citizens Bank-Enterprise
- The Citizens National bank KS
- The Cornerstone Bank
- The Dart Bank
- The Dime Bank
- The Farmers and Merchants Bank
- The Farmers Bank
- The Farmers Bank of Appomattox
- The Federal Savings Bk
- The Fidelity Bank (NC)
- The First National Bank of LI
- The Grant County Bank
- The Gratz Bank FKA Linkbank
- The Hamler State Bank
- The Harbor Bank of Maryland
- The Marblehead Bank
- The Milford Bank
- The MINT National Bank
- The National Bank of Texas
- The Neffs National Bank
- The Peoples Bank
- The Peoples Bank-Gambier OH
- The Peoples State Bank
- The Piedmont Bank
- THE SAVINGS BANK
- The State Bank
- The State Bank Group
- The Tri-County Bank
- The Union Bank Co.
- Think Bank
- Third Coast Bank SSB
- Thomaston Savings Bank
- Thomasville National Bank
- TIAA Bank
- Timberline Bank
- Touchstone Bank
- Town and Country Bank
- Town Bank
- TowneBank
- Tradition Capital Bank
- Traditions Bank
- Tri City National Bank
- Troy Bank and Trust
- Truist
- Trustco Bank
- TruStone Financial
- TrustTexas Bank
- Twin Valley Bank
Banks Starting With U
- U.S. Century Bank
- UBank
- UBank TN
- Ulster Savings Bank
- Umpqua Bank
- Unified Bank
- Union Bank & Trust
- Union Bank Monticello, AR
- Union Bank
- Union Savings Bank
- Union State Bank
- United Bank
- United Bank & Trust
- United Bank (AR)
- United Bank of MI
- United Business Bank
- United Community Bank
- United Community Bank, LA
- United Cumberland Bank
- United Security Bank
- United Fidelity Bank
- United Prairie Bank
- United Southern Bank
- Unity Bank
- Unity Bank WI
- Unity National Bank
- Universal Bank
- Universal City Studios
- University Bank
- Univest Bank and Trust Co.
- URSB
- U.S. Bank
- US Metro Bank
- USAA Federal Savings Bank
Banks Starting With V
- Valley Bank
- Valliance Bank
- Varsity
- Vectra Bank Colorado
- Veritex Community Bank
- Village Bank
- Village Bank & Trust
- Village Bank (VA)
- Vinton County National Bank
- Virginia National Bank
- VisionBank
Banks Starting With W
- WaFd Bank
- Wallis Bank
- Walpole Co-operative Bank
- Washington Savings Bank
- Washington Savings Bank Lowell
- Waterford Bank, N.A.
- Wauchula State Bank
- Waumandee State Bank
- Wayne Bank
- Wayne Bank (PA & NY)
- WCF Financial Bank
- Webster Bank, former SNB sites
- Wells Fargo Bank
- WEOKIE
- WesBanco Bank
- West Alabama Bank
- West Gate Bank
- West Point Bank
- West Shore Bank
- West Texas National Bank
- Western Bank
- Western Commerce Bank
- Western State Bank (KS)
- Western States Bank
- Westfield Bank
- Westmoreland Federal Savings
- WestStar Bank
- Wheaton Bank
- Willamette Valley Bank
- Wilson Bank & Trust
- William Penn Bank
- Winchester Savings Bank
- Windsor Federal Savings
- Winnsboro State Bank (WSB)
- Winter Hill Bank (WHB)
- Winter Park National Bank
- Wintrust Bank
- Wisconsin Bank & Trust
- Wood & Huston Bank
- Woodford State Bank
- Woodlands Bank
- Woodlands National Bank
- WoodTrust Bank
- Woori America Bank
- Wrentham Cooperative Bank
- WSFS Bank
- Wyoming Bank & Trust
- Wyoming Community Bank
Banks Starting With Y
- Yakima Federal Savings
- Yampa Valley Bank
Banks Starting With Z
- Zions Bank
Frequently Asked Questions
How do you receive money from Zelle?
If someone sends you money via Zelle, you’ll receive an email or text about their payment. Once you do, click on the link in the email or text. Then, download the Zelle app in the Apple App Store or Google Play if you haven’t already.
Click, “get started” and enter your email address or phone number, depending on how the funds were sent to you. Select “continue” and find your bank. As soon as you add your billing address on the next screen and click “continue,” you’ll be able to receive the transfer and any other transfers in the future.
What are the pros and cons of Zelle?
Just like any other digital payment provider, Zelle comes with pros and cons you should consider, including:
Pros
- No fees to send or receive money
- Available to customers at almost 10,000 U.S. banks and credit unions
- Quick transfers, often within minutes
- Chance to earn interest on money kept in checking and savings accounts connected to Zelle
- Convenience of no contactless payments
Cons
- Can’t cancel a payment after you send it if the recipient is already signed up with Zelle
- Inability to link Zelle to a credit card
- May require a smartphone
- No chance to maintain a cash balance
- Only for U.S. customers
Is there a fee for using Zelle?
Zelle doesn’t charge fees to send or receive money. But it’s a good idea to contact your bank or credit union to find out whether any additional fees may apply.
Is Zelle safe?
Since Zelle was created by banks and uses data encryption, it’s safe in most cases, especially when you compare it to alternative options like Venmo and Cash App. Despite this, Zelle doesn’t offer fraud protection for authorized payments.
This means if you use Zelle to make an online purchase, there’s not much you can do if you never receive the item. To avoid all safety concerns, only use Zelle to pay people you know and trust.
What’s the difference between Zelle, PayPal, and Venmo?
PayPal and Venmo are digital payment providers, which are similar to Zelle. However, unlike Zelle and Venmo, PayPal allows you to send and receive payments internationally. Many online retailers use PayPal as well.
Venmo is unique in that it’s a combination of a digital wallet and social media as you can comment with emojis when you send and receive payments. Zelle is not a digital wallet because you can only use it to transfer money from one account to another. While Zelle is generally free to use, PayPal and Venmo do charge fees in some situations.
Source: crediful.com