My bank only supports Zelle in the app, not on the web interface, and ever since an update a few months ago the Zelle part of the app suddenly won't load at all

My bank only supports Zelle in the app, not on the web interface, and ever since an update a few months ago the Zelle part of the app suddenly won't load at all on GrapheneOS. There is no fix. So now I can't directly send and receive money through a bank without waiting days or paying a wire transfer fee, because in the United States this ability is monopolized by a private corporation's proprietary service, which can only be interfaced with through one's closed-source banking mobile app.