Zelle

Zelle is a digital payments network that enables U.S. consumers and small businesses to send and receive money directly between bank accounts using an email address or U.S. mobile phone number. It is operated by Early Warning Services, LLC, a fintech company owned by seven major U.S. banks: Bank of America, Capital One, JPMorgan Chase, PNC Bank, Truist, U.S. Bank, and Wells Fargo. As of April 1, 2025, Zelle discontinued its standalone mobile app; the service is now available exclusively through participating banks and credit unions.

Telephone
Main : (844) 428-8542
Mailing address
5801 N. Pima Rd.
Scottsdale, AZ 85250
Website
zelle.com

What you need to know about Zelle

Zelle generally does not respond to customer service queries. It passes most complaints along to its bank owners. Here's my guide on how the Zelle dispute process works. We get many cases about money being sent to the wrong person. The latest swindle is the Zelle callback scam.

How to resolve a problem with Zelle

Try self-service first

Use our proven resolution methods, or Zelle’s self-service links below.

Contact an executive

Start with the primary contact below, then escalate step by step if needed.

Get free advocacy help

Contact Elliott Advocacy for free mediation of unresolved complaints.

Note: If you’re having customer service trouble, please use our proven methods for fixing any consumer problem before contacting a manager.

We care about accuracy. If any of the following email addresses bounce back or the phone numbers are incorrect, please report it to us immediately through this form.

How fast does Zelle respond?

Phone support

Usually 1 to 30 minutes (estimated).Availability: Phone support is available seven days a week from 8 a.m. to 10 p.m. eastern time, excluding major holidays including New Year's Day, Independence Day, Thanksgiving, and Christmas.

Live chat support

Zelle does not offer live chat support.

Social media

Zelle is active on social media platforms such as Facebook, X, Instagram, LinkedIn, and YouTube. Response times can range from a few hours to several days depending on the platform and the inquiry's complexity.

Help center/FAQ

Zelle help center/FAQ provides quick answers to common questions regarding enrollment, sending and receiving money, cancellations, fraud reporting, and participating bank lookup.

Verified contacts

Zelle customer service executives

Maintained by Elliott Advocacy and updated regularly. Here’s how we do it →

Primary
Marc Tubbs
Head of Consumer Services
Secondary
Igor Shuli
Chief Operating Officer
Secondary
Laura Nadler
Chief Financial Officer
Chief Executive
Cameron Fowler

Zelle customer service policies

Zelle does not offer refunds as a standard policy. Once a payment is sent to an enrolled recipient it cannot be reversed. A payment can be cancelled only if the recipient has not yet enrolled with Zelle. Users who believe they were defrauded or sent money to the wrong person should contact their bank or credit union and may also call Zelle at (844) 428-8542. Each case is reviewed individually; reimbursement is not guaranteed.
The user service agreement governs enrollment and use of the Zelle payment service. It covers how transfers work, user responsibilities, the dispute process, and a mandatory individual arbitration clause. Users who access Zelle through a bank's app are also subject to that institution's own terms.

Zelle loyalty program

Zelle does not have a loyalty program.

Frequently asked questions about Zelle

As of April 1, 2025, the standalone Zelle app no longer supports sending or receiving money. To continue using Zelle, enroll through your bank or credit union's mobile app or online banking portal. More than 2,400 financial institutions offer Zelle; visit zelle.com/get-started to find yours. If your bank is not listed, you will need to use an alternative payment method.
Zelle payments generally cannot be reversed once sent to an enrolled recipient. Contact your bank or credit union immediately to report the fraud; your bank has the authority to investigate and, in some cases, issue a refund. You can also call Zelle customer service at (844) 428-8542 to report the incident. Each case is reviewed individually, and reimbursement is not guaranteed. For further guidance, visit the Zelle Safety Education Center.
Your mobile number or email address may be registered with a different bank. Within your new bank's app, you can typically re-enroll the same number or email, which will transfer it to your new institution. If you're unable to resolve the issue, call Zelle Support at (844) 428-8542 for assistance.
Zelle itself does not set universal send limits. Each participating bank or credit union establishes its own daily and per-transaction limits. To find out your current limits, contact your bank directly or check the Zelle section within your banking app.
If your bank or credit union is not among the more than 2,400 institutions currently offering Zelle, you cannot send or receive money through the service at this time. The list of participating institutions continues to grow; check zelle.com/get-started for updates.
Log in to your bank's app, open the Zelle section, enter the recipient's email address or U.S. mobile number, enter the amount, and confirm.
A payment can be cancelled only if the recipient has not yet enrolled with Zelle. In your bank's app, go to your Zelle activity, select the payment, and choose "Cancel This Payment."
Open your bank's app, navigate to Zelle, and tap the QR code icon on the "Select Recipient" screen.

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