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> NEVER send any emails or SMS related to Zelle, and the app should say every time it starts "Zelle NEVER sends you an email or text message. Do everything from

> NEVER send any emails or SMS related to Zelle, and the app should say every time it starts "Zelle NEVER sends you an email or text message. Do everything from inside the app." is Zelle ever its own app? I only use Zelle from my banks' apps, and banks use TFA with text messages all the time, including from the website, calls to support, and the bank app running on the phone. I'm not saying that TFA texts to your phone are 100% two-factor-valuable from an app on your same phone, but what you're talking about would be a major set of changes to the standard security model everybody follows.

squeaky-clean 3y ago
Looks like one was released around 2019, I didn't even know. I can't find any specific dates mentioned or any press releases. Things around 2017 mention a Zelle app coming in the future, by 2019 articles are mentioning the Zelle app.
- ceejayoz 3y ago
  The app just tells me my bank has Zelle and I should use it instead.
  - Arrath 3y ago
    Same here. Not that I am a fan of just throwing money into the aether and hoping it gets to the right destination in any case.
CaliforniaKarl 3y ago
Zelle does have their own app, and I have used it before. The app is for folks using a domestic United States bank that isn't connected to Zelle. During registration, the Zelle app prompts you for your bank name, your mobile phone number, and email address. Those are all checked: If your bank isn't listed as a Zelle-supporting bank, and your phone number & email aren't already linked in the Zelle system, then you can use the app. You also need to have a Visa- or MasterCard-based debit card. You did not need to provide your PIN. Zelle uses the same rails as VenMo's Instance Bank Transfer[0] payout option, so Zelle is subject to the same limitations. IIRC, all logins required either mobile number or email, password, and SMS-based two-factor. I think your login lasted for maybe a day. I used the app in the days before app-based two-factor was a thing, so I don't know if they still use SMS-based two-factor today. Sending and receiving money worked as advertised. In particular, money received would show up in my bank account fairly quickly (within a few hours, IIRC). I was not charged any fees—for deposits or withdrawals—for using the Zelle app. [0]: https://help.venmo.com/hc/en-us/articles/115015844068-Instant-Bank-Transfer-FAQ https://help.venmo.com/hc/en-us/articles/115015844068-Instan...
- fragmede 3y ago
  Minor nit - those aren't Venmo's rails, but Visa/Mastercard's. Other vendors offer similar instant payout features.

squeaky-clean 3y ago

Looks like one was released around 2019, I didn't even know. I can't find any specific dates mentioned or any press releases. Things around 2017 mention a Zelle app coming in the future, by 2019 articles are mentioning the Zelle app.

ceejayoz 3y ago
The app just tells me my bank has Zelle and I should use it instead.
- Arrath 3y ago
  Same here. Not that I am a fan of just throwing money into the aether and hoping it gets to the right destination in any case.

CaliforniaKarl 3y ago

Zelle does have their own app, and I have used it before. The app is for folks using a domestic United States bank that isn't connected to Zelle. During registration, the Zelle app prompts you for your bank name, your mobile phone number, and email address. Those are all checked: If your bank isn't listed as a Zelle-supporting bank, and your phone number & email aren't already linked in the Zelle system, then you can use the app. You also need to have a Visa- or MasterCard-based debit card. You did not need to provide your PIN. Zelle uses the same rails as VenMo's Instance Bank Transfer[0] payout option, so Zelle is subject to the same limitations. IIRC, all logins required either mobile number or email, password, and SMS-based two-factor. I think your login lasted for maybe a day. I used the app in the days before app-based two-factor was a thing, so I don't know if they still use SMS-based two-factor today. Sending and receiving money worked as advertised. In particular, money received would show up in my bank account fairly quickly (within a few hours, IIRC). I was not charged any fees—for deposits or withdrawals—for using the Zelle app. [0]: https://help.venmo.com/hc/en-us/articles/115015844068-Instant-Bank-Transfer-FAQ https://help.venmo.com/hc/en-us/articles/115015844068-Instan...

fragmede 3y ago
Minor nit - those aren't Venmo's rails, but Visa/Mastercard's. Other vendors offer similar instant payout features.