Banks That Don’t Use Zelle | More To Know About Zelle Network!

Free, quick and convenient! There is no doubt that Zelle is currently one of the most popular ways to send and receive money in the US. It has partnered with almost all the major banks and credit unions to make sure your money gets to you within minutes. However, there are still some banks that don’t use Zelle and it is important to have such information to avoid frauds in the future.

What Will We Talk About Here?
  • Some of the leading banks that use Zelle include Capital One, PNC Bank, Wells Fargo, Citibank, etc.
  • It is important to know about banks that don’t use Zelle so you can be careful when sending or receiving money from unknown accounts.
  • You can use Zelle to send money to a recipient who does not have a Zelle account by transferring funds directly to their bank account.

…and Much More!

Banks That Don’t Use Zelle – Why Should You Know About Them?

Zelle is backed up by more than 1500 banks in the US and its operation is limited to US only. This is why users feel comfortable signing up with the app as it means the platform is safe, reliable, and helpful when it comes to instant transactions.

However, just recently, it has come to notice that scammers are ripping people of their money through Zelle. It is mostly done by promising rewards, gifts, coupons, etc. in exchange of a small payment but once the money is sent, the item never arrives.

  • As you would know, it is not possible to revert a transaction on Zelle or ask for a refund, the money lost in such scams is gone for good!

Once the transaction is initiated, even the customer support service will tell you that there is nothing they can do to help out. Therefore, the authorities have encouraged users to be learn how the platform works and thoroughly read terms and conditions at the time of creating an account.

In this regards, it is also important to know which banks don’t work with Zelle so you don’t fall into a trap if a scamming group pretends to be a financial company and requests you for funds.

Attention! If you are using a bank that does not support Zelle, you can still download and use the app although with limited functionality. You can add the debit card information within the app and start performing fund transfers quickly.

Although it is difficult to list to down the banks that do not use Zelle, we found it more convenient to inform you of the ones that do.

Major Banks That Use Zelle

You will be able to find complete list of banks that work with Zelle on its official website. You can also get in touch with the customer support service to inquire about it. Meanwhile, some of the leading banks that use Zelle are listed below.

  • Trust Bank.
  • Academy Bank.
  • Allied First Bank.
  • Ally Bank.
  • American Bank and Trust.
  • American Bank of Missouri.
  • American First National Bank.
  • American National Bank and Trust.
  • Arbor Bank.
  • Arvest Bank.
  • Atlantic Capital Bank.
  • Bank of America.
  • Bank of Marin.
  • Bank of Mingo.
  • Bank of the West.
  • Bank of Utah.
  • BMP Harris Bank.
  • BNA Bank.
  • Bradford National Bank.
  • Capital Bank.
  • Capital City Bank.
  • Central Bank.
  • Chase Bank.
  • Citibank.
  • Citizen Bank & Trust.
  • Citizens National Bank.
  • City Bank & Trust Co.
  • Community State Bank.
  • Discover Bank.
  • Dogwood State Bank.
  • East West Bank.
  • Embassy National Bank.
  • Exchange Bank.
  • Excite Mobile Banking.
  • FC Bank.
  • FFCB.
  • Fidelity Bank.
  • First Arkansas Bank & Trust.
  • First Bank.
  • Gate City Bank.
  • Hanmi Bank.
  • Heritage Bank.
  • Heritage Bank of Commerce.
  • Holcomb Bank.
  • John Marshall Bank.
  • Lafayette State Bank.
  • Liberty Capital Bank.
  • Liberty Savings Bank.
  • M&T Bank.
  • NBT Bank.
  • Needham Bank.
  • Open Bank.
  • Pacific City Bank.
  • Park National Bank.
  • PNC Bank.
  • Wells Fargo Bank.

Attention! If you want to confirm whether your bank supports Zelle or not, get in touch with their customer support service by calling 1-844-428-8542.

Why Should You Choose Zelle For Money Transfers?

Zelle has made sending and receiving money hassle-free, safe, and easy! It carries no extra charges and since it was launched by majority of the US banks’ efforts, it is supported by a large range of financial institutions.

If you are wondering why you should sign up with this service, the first and the most obvious reason is the transfer speed that it offers. You can send money within minutes! The transfers are directly and each transaction is protected by Digital Security Coverage.

  • Moreover, Zelle is easy to learn by the newbies. The sign up process is straightforward and you just have to provide minimal information and hit Send to get done with payments.

The Bottom Line

Hopefully, this article would give you some useful insight into the bank that do and don’t work with Zelle so you can use the information to make more careful transactions in the future. Zelle is an ideal platform to use for quick and safe transactions. Nonetheless, you must safeguard your login and account information yourself.

You might be interested in reading: Does Capital One Have Zelle?

Frequently Asked Questions

Are there banks that do not work with Zelle?

Yes. There are handful of banks that do not support Zelle network. However, this should not affect the transactions if you happen to have Zelle account. In order to make transfers through Zelle, it is a requirement that at least one person should have a Zelle account.

Does Zelle only work with banks?

Zelle app is only available to accountholders whose banks and credit unions directly offer it.

Is Zelle safe to use?

Both Zelle and Venmo monitor transactions and use data encryption to protect personal data and safeguard monetary transactions as well. However, Zelle does not allow you to add PIN authentication of money transfers whereas Venmo does.

Can my Zelle account be hacked?

Although all money transfer apps come with appropriate security features, however, little can be done if your account gets hacked due to personal negligence. Therefore, you must not share your login information with anyone and only use personal devices to perform transactions.

Will Zelle give me money back if scammed?

Zelle does not offer protection programs to give you back the funds if lost through scams. Moreover, refund policy may be clarified with the bank you are using but there is not any way to request a refund through the app.

What is Zelle transfer limits?

Zelle users can send up to $2500 per day but the actual limits may vary depending on which bank you link with the app.