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

@XYZ Customer, Thank you for your inquiry. The $1,000 daily limit has not changed. I will share your feedback with the appropriate folks at USAA. ~DC

Occasional Visitor

My dad sent me money on 05/08/19 that deposited instantly, and then sent another round of money on 05/09/19 and it has yet to deposited. In the USAA app and Zelle screen it shows pending? Is there an issue with this transaction?

USAA Social Service
USAA Service
USAA Service

@Golf2Much, we'd be happy to review the transaction. Please call us at 210-531-8722 or chat with us. From the USAA website, you can chat with us by selecting "Reach a Representative", "Contact USAA" or "Ask USAA". From the USAA Mobile App, you can select "Help" and then "Get Contact Options".  ~DC

Occasional Visitor

+1 on increasing the Zelle limit.  $1,000 is ridiculously low.  Plus I sent someone $350 last night and my limit tonight is only $650.  I don't know how long it takes for the first one to clear out.  I think $2,000 is too low as well but it's twice as good as $1,000.  How about a user-specified limit or at least the ability to increase it temporarily as needed (like you can do with ATM withdrawal limits)?

USAA Social Service
USAA Service
USAA Service

@db14, the $1000 limit is a rolling 24 hour period. So after 24 hours of your first transfer it will be reset. I appreciate this feedback you have shared. I will be sure to submit this to the proper area for further review. ~ Sam

New Member

The $1,000 limit is compeltely ridiculous.  Other banks have a much higher limit, and frankly this is insulting.  Please consider raising your limit.  As it stands I'm transferring my money to Chase for my rent payments until you can sort this out.

USAA Social Service
USAA Service
USAA Service

@PodDoc85, I regret your frustration with the Zelle daily limits. I will share your comments regarding this matter with our bank team. Please let us know if you need further assistance. - Ben

banking user
Occasional Visitor

The consistent complaint is that the limits are too low and that's been said since January 2018. 

Almost 18 months later, no change.



$1000 limit makes this largely unusable.

USAA Social Service
USAA Service
USAA Service

@banking user, I regret your disappointment with the Zelle transfer limit. I will share your comments regarding this matter with our bank team. In the meantime, please let us know if you need additional assistance. - Ben

Occasional Visitor

We need the ability to set up reoccuring payments via Zelle.  Other banks have made this possible why can't USAA?  I agree that the daily limit is not reasonable and should be raised.  You should be making things easier not more complex.