"many credit unions offer it by default as part of online banking" I remember I had to opt-in to get zelle transfers activated. Information, terms of the serv

"many credit unions offer it by default as part of online banking" I remember I had to opt-in to get zelle transfers activated. Information, terms of the service, and separate activation of email/phone were done at that time just for zelle. I suppose nowadays it's streamlined... which is not so good if customers don't even know what zelle is.