Many banks use Zelle as a peer-to-peer payment service integrated into their mobile banking apps. Over 2,200 financial institutions support Zelle, including some of the largest and most well-known banks in the United States.
Major Banks That Use Zelle
Some of the top traditional banks that use Zelle include:
- Bank of America
- Chase Bank
- Wells Fargo
- Citibank
- PNC Bank
- U.S. Bank
- TD Bank
- Truist Bank
- Fifth Third Bank
- Capital One
- BMO Harris Bank
- Regions Bank
- Santander Bank
- Huntington Bank
Online Banks Offering Zelle
- Ally Bank
- SoFi
- Discover Bank
- Quontic Bank
- Charles Schwab Bank
Credit Unions Supporting Zelle
- Navy Federal Credit Union
- America First Credit Union
- BECU (Boeing Employees Credit Union)
- SchoolsFirst Credit Union
- Several others
Zelle was originally accessible through a standalone app, but as of April 2025, users must use Zelle through their banks' own apps. This means Zelle functionality is embedded and integrated into the mobile apps of participating banks rather than via a separate app. Using Zelle through a bank app often means higher transfer limits and no transfer fees. Nearly 80% of the U.S. population can access Zelle via their banking app.
