There have been quite a few questions in Member community about Zelle and we want to make sure all your questions and concerns are addressed. I sat down with Kiyanna Garland to give a few more details about USAA and Zelle. Kiyanna Joined USAA in 2004, and works in the Bank Money Movement team as a Product Management Director. She is the Experience Owner for Person to Person (P2P) transactions.



Why Zelle and what are the advantages?

Zelleis the new way to send and receive money quickly, safely, and securely between almost any U.S. bank account within minutes using a mobile number or email address. The experience of Send Money with Zelle℠ is available within the USAA mobile banking app.


How do I set it up?

Here is a step by step with photos, but members must also:

  • Be 18 years of age
  • Complete a one-time enrollment
  • Have a valid email address or mobile number that has not been previously registered in the Zelle network
  • Have a USAA FSB checking or savings account that is at least 10 days old

When should I use Zelle?

Zelle can be used for the everyday experiences such as paying friends or family for your share of the dinner bill or to send funds for birthday gifts.


When should I use transfer funds (and where do I find it)?

You should use Transfer Funds when moving money between bank accounts you own, USAA and non-USAA. To do this, tap “Transfer” from the tab bar in USAA mobile app, located at the bottom of the screen on iOS devices and at the top of the screen on Android devices


If you are like member Pittsburgh75 who is not receiving notifications, please do the following:

  • Ensure that text messaging short codes are enabled for your mobile phone.  The short code is 698722.
  • If you are on Sprint or T-Mobile, you will need to call your carrier and enable short code messaging for USAA one time codes to be received.
  • You will need to check delivery preference settings in the USAA app to ensure text message delivery is on for messages sent by USAA.


I just started using Zelle, where is my money?

It is important that your senders know which email address or mobile number you have enrolled with. Money must be sent to a registered email address or mobile number.  If you get a notification from Zelle/ClearXchange that someone has sent you money, you must register the email address or mobile number that the notification was sent to. It is also important to note that when you register, it may take between 1 and 3 business days to receive your first payment.


We encourage you to share your feedback and experience here in community like member “Navy EOD” who has used Zelle successfully to send money!


Still have questions? Please post in the comments.


Helpful Inks:

FAQ Sending Money with Zelle

Send Money with Zelle

Money Transfer How To


About the Blogger: Briana Hartzell is a Navy spouse, mother to two beautiful girls (3 years and 1 year), a former full time USAA employee and a graduate of Texas A&M University. Briana writes at Being Briana, a blog focused on the joys that military life and parenthood can bring.


Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC Fees may apply for non-USAA customers. Mobile carrier fees may also apply Funds transfer applies to U.S. accounts only.

EN2_GEN5300_Zelle_Setup: At this time, USAA members may only send to and receive from financial institutions in the Zelle network

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USAA has sent me a notice they will cancel my insurace if I don't pay.  Unfortunately, I was in the hospital for almost 5 weeks, due to suffering a stroke.  This is no way to work with a 50 year member who suffered a castrophic illness.  What a surprise, YOU WILL BE CANCELLED....this can happen to you.

USAA Social Service
USAA Service
USAA Service

Hello @HoneyGoLightly, I'm sorry to learn of your illness and hope for your continued recovery. We truly appreciate your long-term membership of 50 years and certainly want to help with your concerns. I'm engaging a specialist to review your information and to follow-up with you. -Paula

New Member

How do you edit/remove a recipient from Zelle?

USAA Social Service
USAA Service
USAA Service

Hello @DefendHer-USA

Thanks for using our Member Community to reach out for your Zelle question. Once you are logged into your account access, select Transfers, then MENU to locate

the option "Sent Money with Zelle" or "More"

Select Send, this page will allow you to edit or delete the recipient you with to remove from your Zelle recipient options. Select Done to complete the process. 


Thank you ~ Lori C


Zelle is full of holes.  My Zelle was hacked to the tune of $1000.  Called USAA on how to disable or unenroll in Zelle and was met with pure ignorance.  Navigating throught he app is a nighmare.  I think I found a way to stop transfers with Zelle I can't be sure.  Like to just delete it but USAA is apparently tied to this app and refuses to really help.  

USAA Social Service
USAA Service
USAA Service

@Jake_78412, I'm sorry to hear of your experience using Zelle, this is never what we want to hear. I've elevated your information to the appropriate team for review and follow up. Thank you. ~Holland


The $1000/day transfer limit is too low, especially for those of us whose landlords are asking for rent via Zelle.


The $1000/day transfer limit is far below that of other major banks (typically $2000-$2500 or more, depending).


Dozens, of not hundreds, of people have come to this forum to ask about USAA's plans to increase the Zelle transfer limit; people have been asking this consistently for 3 or 4 years now. USAA's only response has been "thank you for your thoughts, we are forwarding your comment to the appropriate area."


This 27-year USAA member would like to know: What concrete steps is USAA taking to implement a higher transfer limit for Zelle transactions?

USAA Social Service
USAA Service
USAA Service

Hi there, @Touback.  We can understand the concerns with the limit on transferring funds using Zelle. As of now, this is not a change that we are considering.  However, that does not mean it won't change in the future.   


Does your Landlord accept any other deposit methods?  We have the funds transfer feature which will allow you to electronically deposit funds into their account?



I made a comment in November about an issue with Zelle requesting text message security verification (US #s only). This issue is happening again. The security messure restricts all overseas users with foreign telephone numbers from access. Will you please fix the issue again. 


USAA Social Service
USAA Service
USAA Service

Hi there stef.g, we are sorry to hear about the difficulty you are having again.  For immediate assistance, we recommend to contact our web support team is possible at 877-632-3002.   


I will send this post and feedback to the appropriate department. We appreciate you letting us know what happened.