If you are one of those freaked out in the search for Zelle participating banks, search no more. You have landed on the right page to get every piece of information that you need about Zelle and Zelle participating banks.
So pay keen attention as I take you through a smooth ride that will expose you to not just the list of participating banks but also how they work with Zelle as well as the fees involved and security of using Zelle. There is so much in stock for you here so continue reading.
What Is Zelle?
Zelle is a peer-to-peer payment mobile application. It was launched in 2017 and has since grown to become a major player in mobile banking. It is used for sending and receiving money between individuals and banks. Early Warning Services, LLC is the owner of Zelle. And its headquarters is in Scottsdale, Arizona, United States.
The payment app is loved by many because it is safe, fast, and easy to use. And also because it doesn’t require any charges. It is for these reasons that many banks in the US have accepted to partner with it. Read on as we look critically at Zelle participating banks.
Is Zelle Accepted By All Banks?
Zelle is not accepted by all banks. Although Zelle is compatible with almost all the major banks in the United States and has gained popularity and trust from many banks and Credit Unions, a few are still skeptical about adopting it as a mode of payment. However, a great number of banks in the United States accept Zelle. You will see the list of Zelle participating banks shortly. So continue reading.
What Are The Zelle Participating Banks?
The following is a list of Zelle participating banks. Note that not all participating banks are listed here. You can get the full list on the official website of Zelle.
International Zelle Participating Banks
- ABCO Federal Credit Union
- ABNB
- Academy Bank
- Achieva Credit Union
- ACNB Bank
- AFFINITYFCU
- Alliance Bank
- AllSouth Federal Credit Union
- Ally Bank
- Amalgamated Bank of Chicago
- Ambler Savings Bank
- Amegy Bank
- Amerant Bank
- America First Credit Union
- BancorpSouth
- Bank Five Nine
- Bank Independent
- Bank Michigan
- Bank Midwest
- Bank of Albuquerque
- Bank of America
- Bank of Ann Arbor
- Bank of Botetourt
- Bank Of Bourbonnais
- Bank of Central Florida
- Bank of Colorado
- BNB Bank
- BECU
- Capital Community Bank
- Capital Credit Union
- Capital One
- Capon Valley Bank
- Carrollton Bank
- Carter Bank & Trust
- Carver Federal Savings Bank
- CASE Credit Union
- CB&S Bank
- CCNCU
- Cedar Point FCU
National Zelle Participating Banks
- USAA
- PNC Bank
- First National Bank
- FirstBank
- Fifth Third Bank
- U.S. Bank
- Dime Community Bank
- Direct Federal Credit Union
- Discover Bank
- Dollar Bank
- Drake Bank
- DuGood
- Dundee Bank
- Eastern Bank
- Eastern Colorado Bank
- Edgewater Bank
- Edmonton State Bank
- Education CU
- Embassy National Bank
- Emerald Empire Federal CU
- Emory Alliance Credit Union
- Enterprise Bank
- FAST Credit Union
- FC Bank
- FCB Cullman
- FCNB of Upper Sandusky
- Fibre Federal Credit Union
- Fidelity Bank
- Fidelity Federal SV and LN, OH
- InTouch Credit Union
- Intracoastal Bank
- Investar Bank
- Investors Bank
- Investors Comm Bank
- Iowa Trust and Savings Bank
- Libertyville Bank
- LifeStore Bank
- Llano National Bank
- Lowry State Bank
- Loyal Trust Bank
- Lumbee Guaranty Bank
- Maspeth Federal Savings
- MassMutual FCU
- MCNB Banks
- Meadows Bank
- MemoryBank
- Merchants & Farmers Bank Green
- Merchants Bank
- Northwest Bank & Trust Co
- Northwest Bank (PA)
- Northwestern Bank
- Northwestern Mutual CU
- Norway Savings Bank
- Oak Bank
- OCEAN Bank
- Ocean Financial
- Oconee Federal
- OCTFCU
- Provident Bank
- Provident Credit Union
- Prudential Bank
- PyraMax Bank
- Quad City Bank & Trust
- Quontic Bank
- Railroad & Industrial FCU
- Redstone Federal Credit Union
- Redwood Capital Bank
- Regions Bank
- Reliance Bank
- Reliance Bank (PA)
- Renasant Bank
- Sunstate Bank
- SunTrust Bank
- SunWest Federal Credit Union
- Surrey Bank
- Susquehanna Community Bank
- Synergy FCU
- Synovus Bank
- T Bank
- TAPCO CU
- TBK Bank, SSB
- TCBT
- TD Bank N.A.
- Terrabank
- Territorial Savings Bank
- Texas Regional Bank
- The Andover Bank
- Village Bank
- Virginia Commonwealth Bank
- VisionBank
- VyStar Credit Union
- WaFd Bank
- Wallis Bank
- Washington Savings Bank
- Washington Savings Bank Lowell
- Water & Power Community CU
- Waumandee State Bank
- Wayne Bank
- Wells Fargo Bank
- Yakima Federal Savings
- Yampa Valley Bank
- York Traditions Bank
- Zions Bank
Regional Zelle Participating Banks
- SunTrust Bank
- MB Financial Bank
- M&T Bank
- KeyBank
- HomeStreet Bank
- Frost Bank
- Frederick County Bank
- First Tennessee Bank
How Do Participating Banks Use Zelle?
As stated above, Zelle is a peer-to-peer payment platform used for sending and receiving money. Therefore this is what the Zelle participating banks also use it for.
To send money from a Zelle participating bank is quite easy. All you need to do is to log in to your mobile banking app, select “Send Money With Zelle“. After that, follow the prompt as you would always do when sending money from your bank to complete the process. It’s that easy.
When the money is sent, the recipient will get a notification in their Zelle account. If the person does not have a Zelle account, the following steps can be taken to receive the money.
- Click on the link provided in the notification
- Select your bank
- Follow the instructions to set up a Zelle account.
What If I Don’t Have A Zelle Participating Bank?
If you do not have a Zelle participating bank, you do not have to panic as you can still use Zelle. In this situation, however, you will have to use Zelle by linking or adding your bank’s debit card to Zelle.
To do this, simply download the Zelle mobile app, register or set up an account, and click on “Don’t See Your Bank” in the select your bank field. Follow the prompt to enter the details of your debit card and set up a password. With this, you can use Zelle like someone having a Zelle participating bank.
How Long Does It Take To Send Money From A Zelle Participating Bank?
If you are sending money from a Zelle participating bank to a bank account of another Zelle participating bank, the money will be received a few minutes after sending. If on the other hand, the receiver does not use a Zelle participating bank, it would take 1 to 3 business days to receive the funds.
How Much Does It Cost To Send Money From A Zelle Participating Bank?
Sending and receiving money from Zelle participating banks is done at no cost. That is, you will not be charged a fee to send and receive money with Zelle. This act is one of the reasons why many people love Zelle, hence there are many Zelle participating banks today.
How Safe Is It To Send Money From A Zelle Participating Bank?
Since Zelle works with participating banks, it does not have security of its own. It uses the security of your bank (participating bank). So Zelle is safe to the extent that your bank is safe. And since most banks have strong security structures that ensure that the finances of customers are safe from theft and fraud, then it is safe to send money from a Zelle participating bank.
In your transactions and dealings, however, make sure that you send money to only trusted people. In case you notice any phishing transactions, do not hesitate to contact your bank or Zelle immediately.
How To Contact Zelle
To contact Zelle through the following means.
- Reach Zelle support for immediate assistance at www.zellepay.com/support.
- Call the Zelle Support phone number on 1-844-428-8542 or 009 1 501-748-8506.
Conclusion
Now that you have seen the list of Zelle participating banks and you know everything that concerns how Zelle works. I believe all your questions have been answered. Use the contact information above to inquire further about Zelle.