Zelle is weird, you can't actually directly transfer account to account. You transfer to a person's phone number or email, so each person can only have 1 Zelle

Zelle is weird, you can't actually directly transfer account to account. You transfer to a person's phone number or email, so each person can only have 1 Zelle enabled account. Also people aren't automatically enrolled, you have to enable Zelle. And email/phone is really easy to make a typo. Routing and Acc number are easy to typo too, but hopefully any FedNow based services will handle that automatically.