Zelle's features have existed for months, just without the name. (ClearXChange is another participant in the existing system.) Note that it's best to do the i

Zelle's features have existed for months, just without the name. (ClearXChange is another participant in the existing system.) Note that it's best to do the initial signup using email address. not phone number... Chase, for one example, fails to complete the setup connection by phone number if you've chosen not to publicly associate your phone number with your account(s)... and fails with a uselessly cryptic message.