In this segment, we’ll discuss how to add multiple bank accounts to Zelle. So, pay attention to fine details and then apply them to your day-to-day life.

How does Zelle Work with multiple bank accounts?  

Is Zelle a bank account? No, Zelle is a financial service provider that allows users to receive and send money seamlessly.  Most United States banks support Zelle and allow payment solutions via the platform. The service is linked to a phone number and bank account. To transfer your fund via Zelle, you just need to remember your bank account.

Almost all banks in the United States feature it as an automatic tool. Zelle allows also money transfers seamlessly. Here are ways to use it:

What Zelle can’t do 

Like any other financial service provider, Zelle comes with some setbacks. Can you link two bank accounts to Zelle? No, you can’t link multiple bank accounts to Zelle.  You can only create two Zelle accounts with different data, but won’t solve your problem.

That’s something disappointing because you may want to use Zelle to transfer between different bank accounts. Zelle’s management claims that the issue be could fix the near future, so stay tuned. Zelle's financial service only allows users to send and receive cash through its app.  Can I transfer money to someone without a Zelle account? No, sending money to someone who doesn't have a Zelle account isn’t accepted.

How many bank accounts can you link to Zelle?    

Today, you may think that creating a bank account is the easiest thing globally. Unfortunately, it's tiresome for Zelle enthusiasts. But once you’ve opened it, everything else will work seamlessly.  Does Zelle work with all bank accounts? Before registering a Zelle account, check whether your bank supports it. Remember, you can use it as a standalone app, but you won't experience all features.  One of the reasons why Zelle is very hard to set up isn’t because of the app's developers. But the sign-up is a major player because it depends on the banking app.

The process is similar to major banking apps. Just download the banking app and then sign up. Ensure you enable the 2FA to successfully finish the process.  So, if you want to create Zelle multiple bank accounts, follow the same procedure. However, you must provide a different, phone number or email address. As mentioned, you can only link one Zelle account to an email or phone number and one bank account. 

Does Zelle go straight to your bank account? Yes, go to a section that allows users to transfer directly and click on it. Perhaps, you should find procedures there. However, if you can't create two Zelle accounts, consider research.

Receive/ Send Money 

Now that you’ve created your account, nothing should stop you!  If you want to pay someone via an app, scroll to the transaction sections in your bank’s app and the dial details either an email address or phone number. Then, enter the cash you want to send and confirm. If the person has a working Zelle account, the transaction should go through. And that's the main merit of Zelle; direct tractions. 

Or, you can transfer cash via the Send screen.  Just enter the person's phone number, email address, and cash, and confirm. The person should receive the money immediately.  However, beware that this method isn't secure since your bank doesn't guarantee the safety of your funds. But it's a simpler one.

The reservations  

Another challenge for transferring money via Zelle is the poor service. As we know transferring money is instantaneous, so there’s no way to cancel the transfer once you’ve transferred the fund. Unfortunately, there’s no way to get back your money. And that’s why it’s advisable not to send money to anyone other than your trusted contacts.

If the person doesn’t have an account, she must sign up to receive the cash.  Otherwise, the money will be returned to the owner within 14 days. Unfortunately, there’s no way to get money back after which could issue. Similarly, if the bank doesn’t support Zelle, consider the banking app option. Another disadvantage of Zelle is that limitation for transferring money via the app is $500 per week.

How to switch bank accounts with Zelle         

Whether using the Zelle app itself or the banking app, transferring money is seamless and quick. All you need is the information from the recipient such as email address or phone number. The beauty of it is that all payments are done instantly. However, the main challenge here is to set up a Zelle account which may take time. But once done, everything else is just a walk-in park.

What’s your favorite about Zelle? Have you ever used Zelle to send or receive money? Feel free to share your experience in the comment section below.

Frequently Asked Questions   

Which banks offer Zelle for business accounts?

What if I have 2 bank accounts with Zelle?

Is Zelle available in Kenya?

How do I change bank accounts on Zelle?