Navoe, I can you're disappointment with our recent transition to Zelle. It's certainly not our intent to inconvenience you. I have shared your comments about the new feature with our banking team. Feedback is important to us as a means to help us identify areas of improvement. Thank you for taking the time to post. - Ben
Hello Up North MN, I'm sorry to hear of the experience you've had with Zelle. In using this service there is a registration to determine which account you prefer to be used for the payment delivery account.
From the scenario you provided, if you are depositing to your USAA account then transferring to your sons USAA account, there is no need to use Zelle. Zelle is for sending to someone who doesn't bank with USAA or for someone who is not yet on your transfer funds list.
To add your son to your transfer fund list please select Add Account from My Tools under Transfer options. Transferring to another USAA account using the Transfer Funds option via app or website, will result in immediate funds availability. If you have any additional questions, please let me know. ~ Lori
I believe your money did not get lost. I had the same problem with my first money transfer using Zelle. Most likely your money is in transit. The following info is taken from USAA´s website:
How long will it take me to receive money?
If you've already enrolled in Zelle, the money is available in minutes in most cases. If you haven't yet enrolled the money will typically be available 1 to 3 business days after you enroll.
The following is taken from zellepay.com:
When you register, it may take between 1 and 3 business days to receive your first payment. This is a security feature of our network designed to reduce risk and protect you whenever you’re sending or receiving money. Once you’ve completed your first payment, future payments between you and activated Zelle users will typically move in minutes.