The peer-to-peer payment network Zelle offers free and almost instant transfers between bank accounts at different U.S. banking institutions. Launched in 2017, Zelle’s network has grown to include more than 2,000 participating banks and credit unions. Many, but not all, bank customers can find Zelle featured in their bank’s mobile app.
Using a bank that offers Zelle in its app has perks: There’s no extra app to download, and your bank may have higher transfer amount limits than what Zelle’s app allows.
Skip down to our lists to see if your bank uses Zelle.
Quick facts about Zelle
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Zelle is primarily used to send, request or receive funds with friends and others you trust.
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Zelle transfers can be delivered within minutes and generally are free.
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Customers at banks, credit unions or neobanks that don’t offer Zelle can access Zelle’s standalone app, though transfer amount limits may differ.
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Are Zelle transfers free to send and receive?
How much can I send or receive through Zelle at a non-participating bank?
What are some notable banks and credit unions that don’t use Zelle directly?
Can the sender and recipient be at banks where neither offers Zelle?
What are transfer services like Zelle?
🤓Nerdy Tip
Nearly instant transfers between your accounts: When you enroll two accounts at two different banks with Zelle, you can transfer money between banks faster than typical ACH transfers. Standard bank-to-bank transfers can still take multiple days.
12 online banks that use Zelle
We considered online banks with strong account offerings that participate in Zelle’s network. Click each bank name to read our review:
17 traditional banks that use Zelle
We considered the largest U.S. banks as well as various regional banks that we’ve reviewed. Click each bank name to read our review.
12 credit unions that use Zelle
We considered credit unions we’ve reviewed and that stand out due to their size or services. Some credit unions have geographic or other membership restrictions. Click each credit union name to read our review:
Don’t see your bank or credit union? See the full list of financial institutions in Zelle’s network on Zelle’s website.
Did you know…
Zelle transfers are not wire transfers, which use a separate network. Both can provide funds delivery within minutes, but wires tend to have high fees and are intended for large amounts, such as a home purchase. Zelle transfers are typically free and can be for various reasons and amounts (up to a limit).
