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 regis

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...