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
This is not entirely correct. My brother has a USAA account and I have a USAA account. He sent me $500 and had to tranfer it through Zelle, there was no way around it. Because I had not registered yet, it took 10 days for me to see funds. Totally unacceptable.
JGarza, I can understand the frustration with this; however, now that you are register transfers should happen for you more quickly. Additionally, please keep in mind that if all parties have a USAA account then you can set up your accounts using funds transfer feature and it is not necessary to transfer funds through Zelle. ~Michelle
guy's I think the rep is being as nice as they can considering it is user error and nothing to do with USAA. It's pretty darn simple. the USER sets up which account the money gets deposited in, not USAA. I hate when people blame others for their own ignorance. And once the recipient registers with Zelle it transfers almost immediatly. I think it's an awesome service, sure beats wire transfer fees or waiting 3-5 business days for an electronic transfer! The saddest part is the OP doesn't even know you don't even have to use Zelle to transfer between USAA accounts!