Zelle sounds great, and I really want it to work, but my experiences with it so far have been really frustrating. 3 separate experiences: 1. My friend was sen

Zelle sounds great, and I really want it to work, but my experiences with it so far have been really frustrating. 3 separate experiences: 1. My friend was sending me $750, and had to structure it as 4 separate payments each 24 hours apart due to some sending limit that either Zelle or his bank imposes. 2. I sent my brother money, and for whatever reason he had trouble accepting the transfer, so I had to resend it a week later when it failed. 3. Someone sent money to me, and it was my first time using Zelle, so I had to login to my bank after clicking a link in a text. But after logging in, nothing happened... It didn't tell me where the funds went, and they weren't in my account. 3 days later they magically showed up. I think the transaction was pending??