My primary use of Zelle is sending/receiving money between family members. For example, sometimes it's easier for me to spec and buy a computer for a family me

My primary use of Zelle is sending/receiving money between family members. For example, sometimes it's easier for me to spec and buy a computer for a family member, vs. walking them through the web site to purchase. I trust my family members to be good for the payment, and there's enough communication involved in such a purchase that I know I'm not being scammed. I would be perfectly fine if I could be repaid via a next-day mechanism like ACH, but that isn't often available to retail banking users. Wire transfers are still a paid service to most people, and I don't want to fall back to sending a check. So that leaves services like Zelle.