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 Social Service
USAA Service
USAA Service

Thank you for this feedback @BobbiinWashington. We do have the option for you to set up recurring transfers using the funds transfer feature online. This will allow you to add an external account and set up automatic transfers. Hope this helps.

Occasional Visitor

My two 18 year olds were telling me about this and I had no idea what they were talking about, now I do.

Briana Hartzell USAA

Thanks for commenting @ARod101. Hope you have found this information helpful .


Please let us know if you have additional questions!


Thanks again for posting.

George H
New Member

Please raise the limit for daily transfers to $2500.  USAA's current daily limit of $1000 is too low.  Most other banks (Bank of America, Wells Fargo, Chase, etc) have limits far in excess of $1000.  Why not USAA?  Having such a low limit really diminishes the usefullness of the platform.

USAA Social Service
USAA Service
USAA Service

George H - Thanks for the feedback. I have shared your request with the appropriate teams. Thanks for adding your voice to the conversation. - Jason

New Member

I'm trying to receive a rent payment of $1,600 but the sender (non-USAA Zelle user) is unable to send through Zelle. On the sender's side it mentions a limit issue on the receiving end (my end). I am aware of the $1,000 24-hour rolling limit to send, but is this limit also applied to receiving money?

USAA Social Service
USAA Service
USAA Service

Hello @Jmarr, we do not have any limits on receiving funds. This may be something their bank has set up in regards to their limits. They can also try to send a wire transfer. -Colleen

New Member

Actually Zelle has not worked for me at all.  I have tried for two days to transfer money to a person who has an account at another bank, I get the error "Unable to complete transaction at this time. Try again later."  I have been trying for TWO days.  It doesn't work.  I reviewed the sign up information and didn't make any mistakes but still it doesnt' work. 

USAA Social Service
USAA Service
USAA Service

@Bd2595, I'm sorry to hear you're experiencing issues when attempting to transfer funds using Zelle. So we may take a look at the error, please reach out to our Deposit Specialists at 210-531-8722. Thank you. ~ Lori C

Occasional Visitor

I've used Zelle without a problem numerous times (both send and receive), knock on wood! The only downside to this service is that it's only available in the mobile app. It would be great if it was also available in the desktop website. Multiple banks already allow their account holders to use Zelle via their online banking website, so I don't know what the hold up is with USAA. :(