What Banks Use Zelle?

Although it has only been available to U.S. consumers since 2017, Zelle has quickly become one of the most popular ways to send money in the United States. Its popularity is due to the fact that sending money with Zelle is completely free and, arguably more importantly, very fast.

If your bank or credit union partners with Zelle, money that you send or receive through the Zelle Network can be available within minutes. Not just available in your Zelle Application either, but available for withdrawal from your bank account. Few payment services can rival this speed and cost, in fact one of the primary ways that Venmo makes money is by charging for instant transfers, and this is the approach payment apps such as Apple Pay and Cash App have taken.

While Zelle has gained significant adoption and now has almost all of the national banks in the United States offering it, there are still thousands of banks that don’t partner with Zelle and the list of the credit unions that use Zelle is even shorter. In the below you’ll find some helpful information about the Zelle network and a full listing of the banks that currently offer Zelle as of this writing, organized alphabetically. Currently there are over 1,240 banks in the United states that use Zelle.

Zelle Banks

To save you some time, the below table summarizes which of the largest U.S. banks are currently Zelle banks. Not surprisingly, the overwhelming majority of the largest banks in the country are currently partnered with Zelle.

table of zelle banks

If your bank isn’t listed in either column, the below is a complete directory of all the banks that use Zelle so far in 2023.


Full Listing of Banks That Use Zelle and Frequently Asked Questions

Banks #-B

  • 1st Bank of Sea Isle City
  • 1st Capital Bank
  • 1st Century Bank
  • 1st Colonial Community Bank
  • 1st Equity Bank
  • 1st National Bank
  • 1st Security Bank of WA
  • 1st Source Bank
  • 1st State Bank
  • 1st Summit Bank
  • 1st Trust Bank
  • Abington Bank
  • ABNB
  • Academy Bank
  • ACCESSbank Omaha
  • ACNB Bank
  • ACU of Texas
  • Adirondack Bank
  • Advancial
  • Albany Bank & Trust
  • Alden State Bank
  • ALEC
  • Alerus
  • Algonquin State Bank
  • Alliance Bank
  • Allied First Bank
  • Ally Bank
  • Alma Bank
  • Alpine Bank
  • Altamaha Bank and Trust
  • Amalgamated Bank of Chicago
  • Amalgamated Bank (New York)
  • Amarillo National Bank
  • AMBK
  • Ambler Savings Bank
  • Amegy Bank
  • Amerant Bank
  • American Bank
  • American Bank & Trust- AB&T SD
  • American Bank (Dallas)
  • American Bank and Trust
  • American Bank of Missouri
  • American Bank, N.A.
  • American Commercial Bank Trust
  • American Community Bank NY
  • American Community Bank Trust
  • American First National Bank
  • American National Bank & Trust
  • American National Bank of MN
  • American National Bank of TX
  • American Savings Bank
  • American State Bank
  • American State Bank and Trust
  • Ameris Bank
  • AMG National Trust Bank
  • Anchor Bank
  • Anderson County F.C.U.
  • Andrew Johnson Bank
  • Anstaff Bank
  • APCU/Center Parc
  • Apple Bank for Savings
  • Apple Creek Banking Company
  • Arbor Bank
  • Arizona Bank & Trust
  • Armed Forces Bank
  • Armstrong Bank
  • Arthur State Bank
  • Arvest
  • Aspire Banking
  • Associated Bank N.A.
  • Astra Bank
  • Atlantic Union Bank
  • Audubon State Bank
  • BAC Community Bank
  • Banc of California
  • Banesco USA
  • Bank 34
  • Bank Central
  • Bank First
  • Bank Five Nine
  • Bank Independent
  • Bank Michigan
  • Bank Midwest
  • Bank of 1889
  • Bank of Advance
  • Bank of Albuquerque
  • Bank of America
  • Bank of Ann Arbor
  • Bank of Bartlett
  • Bank of Blue Valley
  • Bank of Botetourt
  • Bank Of Bourbonnais
  • Bank of Bozeman
  • Bank of Bridger
  • Bank of Brodhead
  • Bank of Canton
  • Bank of Central Florida
  • Bank of Clarke
  • Bank of Clarkson
  • Bank of Colorado
  • Bank of Columbia
  • Bank of Commerce
  • Bank of Commerce (MS)
  • Bank of Dawson
  • Bank of Deerfield
  • Bank of Easton
  • Bank of Glen Burnie
  • Bank of Hawaii
  • Bank of Hawaii Guam
  • Bank of Hays
  • Bank of Holland
  • Bank of Hope
  • Bank of Houston
  • Bank of Idaho
  • Bank of Kaukauna
  • Bank of Kilmichael
  • Bank of Lexington
  • Bank of Magnolia Company
  • Bank of Marin
  • Bank of Milton
  • Bank of Mingo
  • Bank of Monticello Ga
  • Bank of Oak Ridge
  • Bank of Ocean City
  • Bank of Oklahoma
  • Bank of San Francisco
  • Bank of South Texas
  • Bank of Southern California
  • Bank of Springfield BOS
  • Bank of Stockton
  • Bank of Sun Prairie
  • Bank of Tennessee
  • Bank of Texas
  • Bank of the James
  • Bank of the Lowcountry
  • Bank of the Orient
  • Bank of the Pacific
  • Bank of the Rockies
  • Bank of the West
  • Bank of the West – TX
  • Bank of Travelers Rest
  • Bank of Utah
  • Bank of Whittier
  • Bank of Winona
  • Bank of Wisconsin Dells
  • Bank on Buffalo
  • Bank OZK
  • Bank Rhode Island
  • Bank5 Connect
  • Bank7
  • BankChampaign
  • bankESB
  • BankFive
  • bankHometown
  • BankNewport
  • BankORION
  • BankPlus
  • BankVista
  • BankWest
  • Banner Bank
  • Bar Harbor Bank and Trust
  • Barrington Bank & Trust
  • Bath Savings Institution
  • Bay Bank
  • Bay State Savings Bank
  • BayFirst National Bank
  • BCB Bank
  • Bedford Federal Savings Bank
  • Bell Bank
  • Bellco
  • Belmont Bank & Trust
  • Belmont Savings Bank
  • Belmont Savings Bank (BSB)
  • Belt Valley Bank
  • Benchmark Community Bank
  • Beverly Bank & Trust Company
  • Big Horn Federal Savings Bank
  • Black River Country Bank
  • Blackhawk Bank
  • BLC Community Bank
  • Blue Foundry Bank
  • Blue Ridge Bank
  • Bluestone Bank
  • BMO
  • BNA Bank
  • BNY Mellon
  • Bogota Savings Bank
  • BOK Financial
  • Bonduel State Bank
  • Bradford National Bank
  • Bravera Bank
  • Bremer Bank
  • Brenham National Bank
  • Brickyard Bank
  • Bridgewater Bank
  • Bright Bank
  • Brighton Bank
  • Bristol Morgan Bank
  • Broadway National Bank
  • Brookline Bank
  • Bruning Bank
  • Bryant Bank
  • Builtwell Bank
  • Burling Bank
  • Busey Bank
  • Byline Bank

Banks C-D

C&F Mobile Banking


Caldwell Bank

California Bank & Trust

Camden National Bank

Cape Cod 5

Capital Bank

Capital City Bank

Capital Community Bank

Capital One

Capitol Bank – WI

Capon Valley Bank

Capra Bank

Carrollton Bank

Carter Bank & Trust

Carver Federal Savings Bank

Carver State Bank

Cashmere Valley Bank

Cathay Bank

Cattlemens Bank

CB&S Bank


CBTX Zelle

Cedar Rapids Bank & Trust

Centennial Bank

Centennial Bank – Tennessee

Central Bank

Central Bank (UT)

Central Bank KY

Central Federal Savings

Central Pacific Bank

Central Valley Community Bank

Centreville Bank

Century Bank (NM)

Century Bank of the Ozarks

CFG Bank


Chain Bridge Bank NA

Charles Schwab Bank

Charlotte State Bank & Trust

Chase Bank

Chelsea State Bank

Chemung Canal/Capital Bank

Chesapeake Bank

Chino Commercial Bank

Chippewa Valley Bank

ChoiceOne Bank



Ciera Bank

CIT Bank


Citizens Bank & Trust

Citizens Bank & Trust Co. (NE)

Citizens Bank & Trust Company

Citizens Bank (LA) – Baton Rouge/Plaquemine

Citizens Bank (WI)

Citizens Bank and Trust

Citizens Bank Hutch MN

Citizens Bank of Americus

Citizens Bank of the South

Citizens Bank, NA

Citizens Business Bank

Citizens First Bank

Citizens National Bank

Citizens National Bank, N.A

Citizens Progressive Bank, LA

Citizens Savings Bank

Citizens State Bank

Citizens State Bank (IN)

Citizens State Bank, TX

Citizens Trust Bank

City Bank

City Bank & Trust co.

City Bank and Trust Company

City National Bank

City National Bank (FL)

City National Bank (WV)

City-County Employees C. U.

Citywide Banks

Clarion Co Comm Bank

Classic Bank

Classic City Bank

Clear Mountain Bank

CNB Bank

CNB Bank & Trust, N.A.

CNB Bank (PA)

CNB Bank, Inc

CNB of Texas

CNB Somerset


Coastal Bank & Trust

Coastal Carolina National Bank

Coastal Community Bank

Coastal Heritage Bank

Coastal States Bank

Coffee County Bank

Cogent Bank

Colfax Banking Company

Collins State Bank

Colony Bank

Columbia State Bank


Comerica Bank

Commercial Bank (TN)

Commercial Bank KS

Commercial Bank of Texas

Commercial National Bank

Commonwealth Business Bank

Community B&T-West Georgia

Community Bank

Community Bank and Trust

Community Bank and Trust (MO)

Community Bank Carmichaels PA


Community Bank N.A.

Community Bank of Cameron WI

Community Bank of Mississippi

Community Bank of Missouri

Community Bank of Parkersburg

Community Bank of Pickens Co

Community Bank of the Bay

Community Banks of Colorado

Community Federal Savings Bank

Community Financial Services Bank

Community First Bank

Community First National Bank


Community National Bank Texas

Community Savings Bank Chicago

Community State Bank

Community State Bank – WI

Community State Bank,Avilla IN

Community Trust Bank Inc.

Community West Bank

Connecticut Community Bank

Connection Bank

ConnectOne Bank

Coop Bank of Cape Cod

Core Bank

Corn City State Bank

Cornerstone Bank

Cornerstone Bank (NE)

Cornerstone Community Bank

Cornerstone Community Bank(WI)

CorTrust Bank

Country Club Bank

County Federal

Crest Savings Bank

Crews Bank & Trust

Croghan Colonial Bank

Cross County Savings Bank

Cross Keys Bank

Crossbridge Community Bank

CrossFirst Bank


Crystal Lake Bank & Trust

CS Bank


Cumberland Federal BK

Currency Bank


Cypress Bank SSB

D.L. Evans Bank Mobile

Dacotah Bank

Dairy State Bank

Dallas Capital Bank, NA

Dean Bank

Decatur County Bank

Decorah Bank and Trust Co.

Dedham Savings

Desjardins Bank N.A

Dewitt Savings Bank

Dime Community Bank

Discover Bank

Dogwood State Bank

Dollar Bank, FSB

Dominion Bank

Drake Bank

Dream First Bank

Dubuque Bank & Trust


Dundee Bank

Banks E-G

Eagle Bank

Eagle Bank & Trust

East Cambridge Savings Bank

East West Bank

East WI Savings Bank

Eastern Bank

Eastern Colorado Bank

Eastern Michigan Bank

Eclipse Bank

Edmonton State Bank

Elements Financial

Embassy Bank For Lehigh Valley

Embassy National Bank

Empire State Bank

Endeavor Bank

Englewood Bank & Trust

Enterprise Bank

Enterprise Bank & Trust

Enterprise Bank & Trust Co.

Enterprise Bank of SC

Ephrata National Bank

Equitable Bank

Erie Bank


Eureka Savings Bank

Evergreen Bank Group

Evergreen Federal Bank

Evermore Bank

Exchange Bank

Exchange Bank (CA)

Exchange Bank of NE Missouri

Exchange State Bank-Lanark,IL

Excite Mobile Banking

F&M Bank

F&M Bank & Trust

F&M Bank-NC

F&M Trust


Fairfax State Savings Bank

Fairfield County Bank

Fairfield Federal

Falls City National Bank

Farmers & Merchants

Farmers & Merchants Bank of LB

Farmers & Merchants Union Bank

Farmers and Merchants Bank OH

Farmers Bank

Farmers Bank & Trust

Farmers Bank (AR)

Farmers Bank Spencer, IA

Farmers National Bank (IL)

Farmers National Bank-Danville

Farmers Natl Bank of Canfield

Farmers Savings Bank WI

Farmers State Bank


Farmers State Bank (IN)

Farmers State Bank Holton KS

Farmers State Bank Marion, IA

Farmers State Bank TN

Farmers State Bank-Cameron

Farmers Trust & Savings Bank

FC Bank

FCB Banks

FCNB of Upper Sandusky



Fidelity Bank

Fidelity Bank (IA)

Fidelity Bank (LA)

Fidelity Federal SV and LN, OH

Field & Main Bank, INC

Fieldpoint Private

Fifth Third Bank

Financial Federal Bank

FineMark Bank

First American Bank (IL)

First American Bank and Trust

First American State Bank

First Arkansas Bank & Trust

First Bank

First Bank & Trust Company

First Bank (AK)

First Bank (GA)

First Bank (NC)

First Bank and Trust Company

First Bank Blue Earth

First Bank Chicago

First Bank Kansas

First Bank of Boaz

First Bank Of Coastal Georgia

First Bank of Manhattan

First Central Savings Bank

First Chatham Bank

First Choice Bank Pontotoc MS

First Citizens Bank

First Citizens National Bank

First Citizens State Bank (WI)

First Command Bank

First Commerce Bank

First Commercial Bank

First Commonwealth Bank

First Community Bank (AR & MO)

First Community Bank (SC & GA)

First Community Bank (TX)

First Community Bank (VA)

First Community Bank and Trust

First County Bank

First Eagle Bank

First FarmBank

First Farmers & Merchants Bank

First Fed Delta

First Fed Savings Bank Ottawa

First Federal

First Federal (SF Bay Area)

First Federal Bank

First Federal Bank NC

First Federal Bank of LA

First Federal Bank Wisconsin

First Federal Huntington


First Federal Savings Bank

First Federal Savings of TF

First Federal SB-Evansville

First Fidelity Bank

First Fidelity Bank – South Da

First Financial Bank

First Financial Bank (TX)

First Financial Northwest Bank

First Foundation Bank

First General Bank

First Hawaiian Bank

First Heroes National Bank

First Horizon


First Internet Bank of Indiana

First Interstate Bank

First Intl. Bank & Trust

First Merchants Bank

First Metro Bank

First Mid Bank & Trust

First Minnetonka City Bank

First Montana Bank


First National Bank (AR)

First National Bank (ME)

First National Bank Alaska

First National Bank at Paris

First National Bank Bemidji

First National Bank DeRidder

First National Bank LJ

First National Bank Minnesota

First National Bank New Bremen

First National Bank North

First National Bank of Absecon

First National Bank of Central Texas

First National Bank of Elmer

First National Bank of Gidding

First National Bank of Hope

First National Bank of Hutch

First National Bank of MI

First National Bank of Mount Dora

First National Bank of Newtown

First National Bank of Nokomis

First National Bank of Omaha

First National Bank of PA

First National Bank of Pandora

First National Bank of Pulaski

First National Bank of River Falls

First National Bank of Scotia

First National Bank of South Miami

First National Bank of Waterloo

First National Bank Of Waverly

First National Bank Texas

First National Bank Trinidad

First National Bank USA

First National Bank, FNBTX

First Nations Bank

First Natl Bank of Louisiana

First Nebraska Bank

First Neighbor Bank

First Option Bank

First Peoples Bank

First Republic Bank

First Seacoast Bank

First Secure Bank & Trust Co

First Secure Community Bank

First Security Bank & Trust Co

First Security Bank (Byron MN)

First Southern Bank

First Southern State Bank

First Southwest Bank

First State Bank

First State Bank – Michigan

First State Bank & Trust (KS)

First State Bank and Trust Co

First State Bank IL

First State Bank Middlebury

First State Bank NE

First State Bank of St Charles

First State Bank of TX

First State Bank of Uvalde

First State Bank, The

First Tech

First United

First United Bank TX

First United National Bank

First Vision Bank of TN

First Western Bank & Trust

First Western Trust Bank

First Womens Bank


FirstBank & Trust

FirstBank (TN)

FirstBank Antlers

FirstBank Southwest

Five Points Bank

Five Points Bank of Hastings

Five Star Bank

Flagstar Bank, N.A.

Flanagan State Bank

Flint Community Bank

Flushing Bank

FMB Berlin


FNB Community Bank

FNB Creston

FNB Of Brookfield

FNB Oneida

FNB Tennessee

FNB Tremont

FNBC Bank and Trust

FNB-Carlyle, IL





Forbright Bank

Forcht Bank

Forest Park Bank

Forte Bank

Fortis Private Bank

Founders Bank

Fourth Capital

Fowler State Bank

Franklin Savings Bank

Franklin Savings Bank, NH

Frazer Bank

Freedom Bank

Freedom Bank (TX)

Freedom Bank of So. Missouri

Fremont Bank



Fulton Bank, N.A.


Gainey Business Bank

Gate City Bank

Gateway First Bank


Generations Bank

Genesis Bank

Geo. D. Warthen Bank

Georgia Banking Company

Georgia Community Bank

German American Bank

Gibsland Bank & Trust

Glens Falls National Bank

Glenwood State Bank

Global Bank

Gogebic Range Bank

Gold Coast Federal CreditUnion

Golden Bank, N.A.

Golden Valley Bank

Goldwater Bank

Gorham Savings Bank

Grand Bank for Savings

Grand Ridge National Bank

Grand River Bank

Grand Valley Bank

Grandview Bank

Great Plains National Bank

Great Plains State Bank

Greater Community Bank

Green Penny

Greenfield Savings Bank

GreenLeaf Bank

Greenville Savings Bank

Grove Bank

Grove Bank & Trust

Grundy Bank

GTE Financial

Guadalupe Bank

Guaranty Bank

Guaranty Bank – MS

Guaranty Bank & Trust

Guaranty Bank and Trust Co

Guardians Zelle

Gulf Capital Bank

Gulf Coast Bank and Trust

Guthrie County State Bank

Banks H-J

Habib American Bank

Haddon Savings Bank

Hancock County Savings Bank

Hancock Whitney Bank

Hanmi Bank

Hanover Bank

Harrison County Bank

Harvard University ECU

Hawthorn Bank


Hearthside Bank

Heartland Bank (NE)

Hendricks County Bank

Heritage Bank (KY)

Heritage Bank MN

Heritage Bank of Commerce

Heritage Bank of Schaumburg

Heritage Community Bank

Heritage Community CreditUnion

Hickory Point Bank and Trust

Highland Bank

Hillcrest Bank

Hilltop Bank

Hinsdale Bank & Trust Company

Holcomb Bank

Home Bank

Home Federal Bank of TN

Home National Bank

Home Savings Bank

Home State Bank

Home State Bank, IL

Home Trust & Savings Bank

Home-Federal Bank

Homeland Community Bank

HomeStreet Bank

HomeTrust Bank

Honor Bank

Horizon Bank

Hoyne Savings Bank

Huntington Bank

Huntington FSB

Huron Valley State Bank

Hyperion Bank

i3 Bank

Idaho Trust Bank


Illiana Financial

Illinois Bank & Trust

Impressia Bank



Independence Bank – Montana

Independent Bank

Independent Financial

Infinity Bank


Integrity Bank for Business VA

Interamerican Bank

International Bank of Chicago

International Finance Bank

Intracoastal Bank


Investar Bank

Iowa State Bank

Iowa State Bank – Des Moines

Iowa Trust

Iowa Trust and Savings Bank

Ireland Bank

Iron Workers Bank

Iroquois Federal Savings

Isabella Bank

Israel Discount Bank of NY



JD Bank

Jefferson Bank

Jersey Shore State Bank

John Marshall Bank

Johnson Financial

Jones Bank

Jonesburg State Bank

Banks K-M

Kalamazoo County State Bank

Karnes County National Bank

Katahdin Trust Company

Kearny Bank

KEB Hana Bank USA

Kennebec Savings Bank

Kennebunk Savings Bank

KeyBank Mobile

KeySavings Bank


Keystone Bank

Kingston National Bank

Kirkwood Bank & Trust

Ladysmith Federal

Lafayette State Bank

Lake City Bank

Lake Forest Bank & Trust

Lake Ridge Bank

Lake Shore Savings

Lakeland Bank

Lakeside Bank

Lakeside Bank Chicago

Lamar National Bank

Landmark National Bank



Lea County State Bank

Lead Bank

Leader Bank

Ledyard National Bank

Lee Bank

Legacy Bank and Trust

Legacy National Bank

Legend Bank

Lexicon Bank

Liberty Bank

Liberty Bank for Savings

Liberty Capital Bank

Liberty National Bank

Liberty Savings Bank

Libertyville Bank & Trust

LifeStore Bank


Lisle Savings Bank

Llano National Bank

Logansport Savings Bank

Lone Star National Bank

Lone Star State Bank of WT

Longview Bank


Louisiana National Bank

Lowry State Bank

Loyal Trust Bank

Lubbock National Bank

Lumbee Guaranty Bank

Luminate Bank

Luther Burbank Savings

Luzerne Bank

Lyons National Bank


M C Bank


M&M Bank

M&T Bank

M1 Bank

MA Bank

Mabrey Bank

Machias Savings Bank

Madison County Bank

Magnifi Financial

Magnolia State Bank

Magyar Bank

Main Street Bank

Malvern National Bank

Manasquan Bank

Marblehead Bank

Marion Center Bank

Marquette Bank

Marquette Savings Bank

Mars Bank Mobile Banking

Marthas Vineyard Bank

Maspeth Federal Savings


McClain Bank

McHenry Savings Bank

McIntosh County Bank

MCNB Banks

MCS Bank

Meade County Bank

Meadows Bank

Mediapolis Savings Bank


Mercer County State Bank

Merchants & Farmers Bank Green

Merchants and Farmers Bank

Merchants Bank

Merchants Bank of Indiana

Merchants National Bank

Meredith Village Savings Bank

Meridian Trust

Merrimack County Savings Bank

Metairie Bank

Metro City Bank

Metropolitan Bank

Metropolitan Commercial Bank


Mid America Bank

Mid America Bank – Kansas

Mid Penn Bank

Middlefield Bank

Middletown Valley Bank

MidFirst Bank

Midland States Bank

MidSouth Bank


Midwest Bank – Minnesota

Midwest BankCentre

Midwest Heritage

MidWestOne Bank

Milford Federal

Millennium Bank

Milton Savings Bank PA

Minnesota Bank & Trust


Minster Bank

Mission Bank AZ

MNB Bank

Monson Savings Bank

Montecito Bank & Trust

Montgomery Bank Mobile Banking

Monticello Banking Company

Morgan Stanley

Mound City Bank

Mountain America

Mountain Valley Bank

Mountain View Bank of Commerce

MPH Bank

Banks N-P

Nano Banc

Natbank, N.A.

National Bank of Arizona

National Bank of Blacksburg

National Bank of Coxsackie

National Bank of Indianapolis

National Bank of Middlebury

National Capital Bank

NBC Oklahoma

NBT Bank

NBT Financial

Nebraska State Bank & Trust Co

NebraskaLand Bank

Needham Bank

Neighborhood National Bank

Nekoosa Port Edwards Bank

Nevada State Bank

New Frontier Bank

New Mexico Bank & Trust

New Millennium Bank

New Valley Bank & Trust

New York Community Bank

Newburyport Bank

Newtown Savings Bank

NexTier Bank


Nicolet National Bank

NobleBank & Trust

Nodaway Valley Bank

North Dallas Bank & Trust Co

North Easton Savings Bank

North Shore Bank, FSB

North Star Bank

North State Bank

Northbrook Bank & Trust

Northeast Bank

NorthEast Community Bank

Northern State Bank

Northern Trust

Northfield Bank

NorthSide Community Bank

Northumberland National Bank

Northwest Bank

Northwest Bank & Trust Co

Northwest Bank (PA)

Northwestern Bank

Northwestern Bank (IA)

Norway Savings Bank

Oak Bank

Oakwood Bank

Oakworth Capital Bank


Ocean Financial

OceanFirst Bank

Oconee Federal

Ohio State Bank


Oklahoma Heritage Bank

Old Dominion National Bank

Old National Bank

Old Plank Trail Community Bank

Old Point National Bank

Old Second Bank


One Florida Bank

Oostburg State Bank

Open Bank

Opportunity Bank of Montana


Orange Bank & Trust Company

Origin Bank

Osgood State Bank

Oxford Bank

Ozarks Federal Savings & Loan

Pacific Alliance Bank

Pacific Premier Bank

Pacific Valley Bank

Pacific West Bank

Paragon Bank

Park Bank

Park National Bank

Parkway Bank

Partners Bank of New England

Pathfinder Bank

Patterson State Bank

PCB Bank


Peapack-Gladstone Bank

Pegasus Bank


Penn Community Bank

Peoples Bank

Peoples Bank & Trust Co

Peoples Bank (Clifton TN)

Peoples Bank (GA)

Peoples Bank (IN & IL)

Peoples Bank (TX)

Peoples Bank (WA)

Peoples Bank IA

Peoples Bank Monticello IN

Peoples Bank of Alabama

Peoples Bank of Altenburg

Peoples Bank of East Tennessee

Peoples Bank of Graceville


Peoples Bank of Kentucky, Inc

Peoples Bank of Paris Texas

Peoples National Bank

Peoples State Bank (WI)

Peoples State Bank Plainview

Peoples State Bank, Hville

Peoples Trust Company



Peru Federal Savings Bank

Peshtigo National Bank

Philo Exchange Bank

Phoenixville Federal B&T

Piedmont Federal Savings Bank

Pineland Bank

Pinnacle Bank

Pinnacle Bank (CA)

Pinnacle Bank (GA)

Pinnacle Bank Texas

Pinnacle Bank Wyoming

Pinnacle Financial Partners

Pioneer Bank

Pioneer Bank & Trust

Pioneer Bank (VA)

Pioneer Bank MN

Piscataqua Savings Bank

Pittsfield Cooperative Bank

PlainsCapital Bank

Planters Bank Mobile Banking

Platte Valley Bank NE

Platte Valley Bank WY

Plus International Bank

PNC Bank

Poca Valley Bank

Points West Community Bank

Ponce Bank

Poppy Bank

Port Washington State Bank

Powell Valley National Bank

Prairie Community Bank

Preferred Bank

Premier Bank (OH)

Premier Bank of the South

Premier Valley Bank

PremierBank Wisconsin


PrimeSouth Bank


PriorityONE FL

Progressive Bank

ProGrowth Bank

PromiseOne Bank

Prospect Bank

Prosperity Bank

Provident Bank


PyraMax Bank

Banks Q-S

Quad City Bank & Trust

Quail Creek Bank

Quaint Oak Bank

Queenstown Bank

Quontic Bank


Rayne State Bank

Red River Bank


Redwood Capital Bank

Regal Bank

Regions Bank


Reliance Bank

Reliance Bank (PA)

Renasant Bank

Republic Bank

Republic Bank of Chicago

Rhinebeck Bank

Richwood Bank

Riddell National Bank

Ridge View Bank

Ridgewood Savings Bank

Rio Bank

Rising Bank

River Bank

River City Bank

River City Bank (KY)

RiverHills Bank – OH

Riverside Savings Bank

Rochelle Bank

Rockland Savings Bank

Rockland Trust


Rocky Mountain Bank

Round Top State Bank

Royal Business Bank

S&T Bank

Sabine State Bank and Trust

Salem Five Cents Savings Bank

San Luis Valley Federal Bank

Sandhills State Bank

Sandy Spring Bank

Sanibel Captiva Community Bank

Santa Cruz County Bank

Santander Bank, N.A.

Saratoga National


Savings Bank of Walpole

Sawyer Savings Bank

Schaumburg Bank & Trust

Schertz Bank & Trust

Schuyler Savings Bank

Scottsdale Community Bank

Seacoast Bank


Security Bank Laurel NE

Security Federal Bank

Security Financial Bank

Security First Bank

Security National Bank IA

Security National Bank of SD

Security Savings Bank

Security State Bank – Wyoming

Security State Bank (Algona)

Security State Bank Hibbing

Security State Bank Radcliffe

Seneca Savings

Sharon Bank

Shell Lake State Bank

Shore United Bank

Silicon Valley Bank

Simmons Bank

Skyline National Bank


SNB Bank, N.A.

Solutions Bank

Solvay Bank

Somerset Savings

Somerville Bank

South Shore Bank

South Story Bank & Trust

Southern Bank

Southern Bank and Trust Co

Southern First Bank

Southern Independent Bank

Southern Michigan Bank and Tru

SouthPoint Bank

Southside Bank

SouthStar Bank


Southwest Missouri Bank

Southwest National Bank

Southwestern National Bank

Sovereign Bank

Spencer County Bank



Spring Bank

Spring Bank Brookfield WI

Springs Valley Bank & Trust Co

SSB Kenyon


St Simons Bank & Trust

St. Charles Bank & Trust

STAR Financial Bank

Starion Bank

State Bank

State Bank Financial

State Bank of Graymont

State Bank of Southern Utah

State Bank of The Lakes

State ECU NM

Stellar Bank

Stephenson National B&T

Stockman Bank of Montana


Sturgis Bank

Sullivan Bank

Summit Bank

Summit Community Bank

Sundance State Bank

Sunflower Bank, N.A.

Sunnyside Federal


Susquehanna Community Bank

Susser Bank

Sutton Bank

Synovus – Gateway

Synovus Bank

Banks T-V

Tallahassee National Bank


Taylor Bank


TC Federal Bank


TD Bank N.A.


Territorial Savings Bank

Texas Advantage Community Bank

Texas Bank and Trust Company

Texas Capital Bank

Texas First Bank

Texas National Bank RGV

Texas National- Jacksonville

Texas Regional Bank

Texas Security Bank

Texas Traditions Bank

The Andover Bank

The Bank

The Bank & Trust ssb

The Bank of Clovis

The Bank of Elk River

The Bank of Missouri

The Bank of New Glarus

The Bank of Princeton

The Bank of Southside VA

The Bank of Tampa

The Bank of Tescott

The Berkshire Bank

The Citizens Bank

The Citizens Bank-Enterprise

The Citizens National Bank KS

The Cornerstone Bank

The Dart Bank

The Dime Bank

The Farmers and Merchants Bank

The Farmers Bank

The Farmers Bank of Appomattox

The Federal Savings Bk

The Fidelity Bank (NC)

The First National Bank of LI

The Grant County Bank

The Hamler State Bank

The Harbor Bank of Maryland

The Marblehead Bank

The Maries County Bank

The Milford Bank

The MINT National Bank

The Neffs National Bank

The Peoples Bank

The Peoples Bank-Gambier OH

The Peoples State Bank

The Piedmont Bank


The State Bank

The Tri-County Bank

The Union Bank Co.

Think Bank

Third Coast Bank SSB

Thomaston Savings Bank

Thomasville National Bank


Timberland Bank

Timberline Bank

Time Bank

Touchstone Bank

Town Bank


Tradition Capital Bank

Traditional Bank

Traditions Bank

Tri City National Bank

Troy Bank and Trust


Trustco Bank

TruStone Financial

TrustTexas Bank

Turtle Mountain State Bank

Twin Valley Bank

Two Rivers Bank & Trust

U.S. Century Bank


UBank TN

Ulster Savings Bank

Umpqua Bank

Unified Bank

Union Bank & Trust

Union Bank Monticello, AR

Union Bank of Mena

Union Bank, Inc

Union County Savings Bank

Union Savings Bank

Union State Bank

Union State Bank (WI)

United Bank

United Bank & Trust

United Bank (AR)

United Bank of MI

United Business Bank

United Community Bank

United Community Bank (Iowa)

United Community Bank, LA

United Cumberland Bank

United Fidelity Bank

United Midwest Savings Bank NA

United National Bank

United Prairie Bank

United Security Bank

United Southern Bank

United Teletech Financial

Unity Bank

Unity Bank WI

Unity National Bank

Universal Bank

Universal City Studios

University Bank

Univest Bank and Trust Co.


US Bank

US Metro Bank

USAA Federal Savings Bank

Valley Bank

Valliance Bank

Varo Bank


Vectra Bank Colorado

Veritex Community Bank

Village Bank

Village Bank & Trust

Village Bank (MN)

Village Bank (VA)

Vinton County National Bank

Virginia National Bank


Volunteer Federal Savings Bank

Banks W-Z

WaFd Bank

Wahoo State Bank

Wakefield Co-operative Bank

Walled Lake Schools Fed Cr Un

Wallis Bank

Walpole Co-operative Bank

Washington Savings Bank

Washington Savings Bank Lowell

Waterford Bank, N.A.

Watertown Savings Bank (MA)

Wauchula State Bank

Waumandee State Bank

Wayne Bank

Wayne Bank (PA & NY)

WCF Financial Bank

Webster Bank, N.A.

Wellington State Bank

Wells Fargo Bank


WesBanco Bank

West Alabama Bank

West Gate Bank

West Point Bank

West Shore Bank

West Texas National Bank

Westbury Bank

Western Bank

Western Commerce Bank

Western Heritage Bank

Western State Bank (KS)

Westfield Bank

Westmoreland Federal Savings

WestStar Bank

Wheaton Bank & Trust Company

Whitaker Bank

Willamette Valley Bank

William Penn Bank

Wilmington Savings Bank

Wilson Bank & Trust

Winchester Savings Bank

Windsor Federal Savings

Winnsboro State Bank (WSB)

Winter Hill Bank (WHB)

Winter Park National Bank

Wintrust Bank

Wisconsin Bank & Trust

Wood & Huston Bank

Woodford State Bank

Woodlands Bank

Woodlands National Bank

WoodTrust Bank

Woori America Bank

Wray State Bank

Wrentham Cooperative Bank


Wyoming Community Bank

Yakima Federal Savings

Yampa Valley Bank

Zions Bank

What is the Best Bank for Zelle?

All of the banks that use Zelle do not charge their users for sending or receiving transactions. Therefore, the experience should be largely the same regardless of the bank you’re with. That said, there are differences between each bank, in the daily and monthly amounts you can send with Zelle. If having the flexibility to send large amounts of money with Zelle is important, then with that in mind, these are the 4 best banks for Zelle:

  • Wells Fargo (daily limit of $10,000, monthly limit of $50,000)
  • Citibank Priority and Gold Accounts (daily limit of $5,000 and monthly limit of $20,000)
  • Chase Bank Private Client Account (daily limit of $5,000 and monthly limit of $40,000)
  • Bank of America (daily limit of $3,500 and monthly limit of $20,000)

How Does Zelle Work?

One of the unique aspects about this payment option is the fact that if your bank (or credit union) partners with Zelle, you do not need to sign up and link your bank account to start using Zelle. This is because your bank or credit union is already integrated with the Zelle network. Zelle works by using the Zelle network to facilitate transfers between its partner banks and credit unions which are all interconnected. This is why Zelle transfers can be completed very quickly.

How Long Does Zelle Take?

For transfers between two people who have accounts with banks or credit unions that partner with Zelle, the transfer can get processed within a few minutes. With other competing applications such as Apple Pay and Venmo, transfers take 1-3 business days and consumers have to pay a fee to have transactions completed as quickly as they are with Zelle. Importantly, charging money for instant transfers is not something that Zelle does. We dived into the details about how Zelle makes money in a separate post.

Is there a Zelle App?

Yes there is a Zelle app which is available both in the App Store and in the Google Play store. It is worth noting that if your bank or credit union partners with Zelle, then you do not need to download the Zelle app to send and receive money with Zelle. All you’ll need to do is connect your phone number or e-mail! Currently these are the stats for the Zelle App on both app stores:

What Banks work with Zelle

Currently there are over 1,000 banks that work with Zelle. Although this is less than 25% of the total number of banks in the United States, the list of banks that use Zelle includes the majority of the largest banks in the country. In addition, even if your bank does not work with Zelle currently, you can still download the Zelle app and enroll the debit card associated with your bank account.

According to Zelle, consumers from nearly 10,000 financial institutions participate in the Zelle Network. This is clearly much larger than the number of banks that are official Zelle partners, and speaks to the fact that you can still use the app and benefit even if your financial institution is not an official Zelle partner.

My Bank is not listed on the Zelle Bank List

If your bank isn’t listed in the below directory you can still access Zelle’s functionality by downloading the Zelle App and signing up. You will need to use your debit card information to link your bank account and once you’ve done that, you’ll be able to start receiving Zelle transfers that are processed very quickly.

Zelle Customer Service

Zelle has an extensive customer support page with answers to frequently asked questions and issues. Zelle Customer Service number is 1-844-428-8542 and customer service is available 7 days a week from 10am to 10pm Eastern Time.