Zelle is a quick, secure, and simple method to transfer money directly between almost any bank accounts in the United States, usually within minutes. Using only an email address or mobile phone number, users can send and receive money directly through their banking app without extra steps, making transactions faster and more convenient.

Zelle itself does not impose any fees for sending or receiving money. However, it is important to check with your bank or credit union, as they might charge their own fees for transactions involving Zelle. Always confirm potential costs beforehand to avoid unexpected charges.

Zelle uses strong authentication and monitoring systems to protect users from unauthorized transactions. It collaborates directly with banks and credit unions, which adds an extra layer of security. Despite these protections, users should exercise caution, such as avoiding sending money to strangers, to ensure security.

Yes, even if your bank or credit union does not support Zelle, you can still use the service by downloading the Zelle app and enrolling with your Visa® or Mastercard® debit card. This allows most people to access Zelle's convenient money transfer services without changing banks.

Most Zelle transactions are processed within minutes, enabling nearly instant transfers. The exact timing can vary; if the recipient is already enrolled in Zelle, the transfer is usually immediate. If not, it may take 1-3 business days after enrollment to complete the transaction.