About
Zelle is a US bank-to-bank payment network built into the mobile and online banking of about 2,400 banks and credit unions (as of 2025). The sender picks a recipient by email address, US mobile number or Zelle tag, and money moves directly between the two checking or savings accounts, typically within minutes when both are enrolled. It is owned and operated by Early Warning Services, LLC, a bank-owned company in Scottsdale, Arizona; the standalone Zelle app closed on 1 April 2025, so it is now used through bank and credit union apps. Zelle handled $1.2 trillion across 4.2 billion transactions in 2025.
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