That's one problem with Zelle. Another is that if you live overseas it is really hard to get it to work, even with a pre-existing US bank account. And you can

That's one problem with Zelle. Another is that if you live overseas it is really hard to get it to work, even with a pre-existing US bank account. And you can't make Zelle payments to someone who is not on Zelle. While in theory that's also true for ACH, bank wire transfers have been a thing basically since the invention of wires (telegraph). Sorry, in my experience Zelle is a major step backwards with severe loss of functionality and greatly increased risk exposure.