Banking Bank Reviews

Banks That Use Zelle: [2026] List

If you want to continue using Zelle to transfer funds, you'll need to make sure your bank has partnered with Zelle to offer that option.

By Christy Rakoczy , Edited by Steve Miller

Updated Dec. 16, 2025

Exchanging money with friends and family used to be a big hassle. If you'd gone out to eat and decided to split the check, or if your friend borrowed some cash and wanted to pay you back, you'd typically have to exchange physical money or deal with a paper check.

Payment apps like Zelle changed all that.

When it was launched, Zelle integrated with some banks, but not a ton. To allow more people to transfer funds, the company launched its own Zelle® app. In October of 2024, however, the company announced that its app would be discontinued beginning April 1, 2025.

This doesn't mean Zelle is done and that you can't use it anymore. In fact, there are now thousands of banks that use Zelle. There are even plenty of credit unions that use Zelle too.

In our list of banks that use Zelle, we've focused primarily on financial institutions we've assessed in FinanceBuzz reviews so you can make an informed decision on whether or not it's the right bank for you if you want access to Zelle.

Online banks/fintechs that use Zelle

Traditional banks that use Zelle

Credit Unions that use Zelle

Coastal Federal Credit Union
Georgia United Credit Union
Landmark Credit Union
Navy Federal Credit Union
Orange County's Credit Union
UW Credit Union

How to connect Zelle to your bank account

If your bank uses Zelle, it's easy to connect Zelle to your bank account. Just got to enroll.zellepay.com, search for your bank. If your bank uses Zelle, you'll be directed to your bank's website where you can continue the set-up process.

Every bank's Zell enrollment process will be different, but taking the first steps to connect Zelle to your bank account is simple and quick.

Alternatives to Zelle

If you read any Zelle review, you'll see that the company has many devoted followers. The good news is, you can still use Zelle if you pick the right bank.

However, if you prefer a standalone app to transfer cash, or your bank doesn't use Zelle and you don't want to switch banks, there are plenty of Zelle alternatives to choose from.

Cash App

Cash App¹ <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> is similar to Zelle in that it allows fast and easy funds transfers without having to go through a long process to transfer money to another bank. You can just enter a phone number, email, or $cashtag and can add friends and family as contacts to pay them effortlessly.

Cash App does more than just allow you to move funds around, though. You can use it as a banking alternative — and one with no account fees at that. Cash App allows you to deposit paychecks, access cash via a debit card, save your money in Cash App savings, and buy investments, including Bitcoin. You can even send money to someone without a bank account.

While Cash App is convenient and its fee-free features are nice, you should know the app's operator was recently ordered to pay $175 million, due to weak security protocols. The app has been ordered to fix the issues.

Visit Cash App | Learn more in our Cash App review

Venmo

When comparing Cash App vs. Venmo, there are some major similarities. For example, both services allow you to deposit your paycheck into the app, as well as to transfer money seamlessly; with Venmo, you just need to know someone's Venmo account details.

Venmo charges no fees to sign up, send money, or maintain a monthly account, although you do pay a 3% fee if you use a linked credit card. You can also split up group payments with Venmo Group, which makes sharing recurring costs simple, as you just create a group, add expenses, adjust for each member's share, and hit Tap to Pay.

Venmo offers a debit card as well and has a standalone app for transferring funds, which Zelle no longer does.

Banks that use Zelle

Online Banks/Fintechs	Traditional Banks	Credit Unions
Ally Bank	Bank of America	Atlanta Federal Credit Union
Capital One	Chase	Coastal Federal Credit Union
Charles Schwab Bank	Citibank	First Credit Union
CIT Bank	Citizens Bank	Georgia United Credit Union
Discover® Bank	TD Bank.	Landmark Credit Union
E*TRADE	PNC	Navy Federal Credit Union
Laurel Road Bank*	Truist Bank	Orange County's Credit Union
Quontic Bank	U.S. Bank	UW Credit Union
SoFi	Wells Fargo	Westar Federal Credit Union

FAQs

Do all banks use Zelle?

No. Not all banks use Zelle. A couple thousand banks and credit unions do use Zelle, but not every bank out there offers the service.

While many of the biggest banks use Zelle, some smaller banks and credit unions don't, even popular ones. Alliant Credit Union doesn't use Zelle, for example.

What banks can you use Zelle with?

Zelle is available in more than 2,200 banking apps across the U.S. You can see a comprehensive list at zellepay.com.

Does Cash App have Zelle?

Cash App is a standalone money transfer service. You do not need to use Zelle with Cash App, as it has its own money transfer feature.

Is Zelle shutting down?

Zelle is not shutting down. You can still use the service through participating banks. The standalone Zelle app, however, did shut down on April 1, 2025.

Bottom line

If you want to make sure you retain access to Zelle, now that the payment company's app is shut down, check out the banks above that still use this service.

You may find a bank that's offering you better perks than your current financial institution — even beyond Zelle access — so it's worth taking a look at these and more of the best banks to find one that works for you.