That's not a technical limitation, that's a choice of your bank (and apparently mine). Critically, though, Zelle is competing with Venmo (in particular) and oth

That's not a technical limitation, that's a choice of your bank (and apparently mine). Critically, though, Zelle is competing with Venmo (in particular) and other mobile-only or primarily-mobile apps. Working within the same environment is "good enough" from the perspective of most banks.