I've been in the US for only a few years now, and Zelle works seamlessy for me. Granted, I think everyone I zelled had a bank account with Chase, BofA, PNC, and

I've been in the US for only a few years now, and Zelle works seamlessy for me. Granted, I think everyone I zelled had a bank account with Chase, BofA, PNC, and Wells Fargo - only the big ones.