Zelle

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Zelle () is an American digital payments network run by a private financial services company owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo. The Zelle service enables individuals to electronically transfer money from their bank account to another registered user's bank account (within the United States) using a mobile device or the website of a participating banking institution. Transfers between bank accounts of registered users are typically completed within minutes. There is currently no fee or charge on the transaction to users. Instead, participating banking institutions are charged a fee per transaction. The Zelle service was launched in June 2017, as the successor to the clearXchange payment service. Zelle has expanded, and as of 2022, 80% of the US population could connect to Zelle through their banking app, with over 1,600 financial institutions participating. Zelle has been criticized for being a platform that has facilitated online financial fraud in the United States. In April 2025, Zelle shut down its standalone app, requiring all users to interact with Zelle through their bank's app.