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.
Usually 1 to 30 minutes (estimated).Availability: Phone support is available seven days a week from 10 a.m. to 10 p.m. eastern time, excluding major holidays including New Year's Day, Independence Day, Thanksgiving, and Christmas.
Email supportcustomerservice@zellepay.com
Usually 1 to 5 business days (estimated).
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.
Visit zellepay.com to search a full list of participating financial institutions.
Zelle customer service policies
Zelle publishes separate privacy notices for its app users and for visitors to its website. The app privacy notice describes what personal information is collected through the Zelle app, including device information and usage data, how that information is used and shared, and users' rights to limit or withdraw consent. Users who access Zelle through a bank's app are directed to their bank's privacy notice instead.
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 2,200 financial institutions offer Zelle; visit zellepay.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 2,200 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 zellepay.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.
Disclaimer: Contact information is believed reliable but not guaranteed. Executives change contact details frequently. If an email bounces or a number is wrong, report it immediately. Published May 10, 2023. Updated May 16, 2026.
