59 Comments (59 New)


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 Service
USAA Service

Hello @EJ94, thank you for reaching out to us today. We would like to review more and see what is going on with those payments. To get a more personalized review can you please chat with us on or via the mobile app. I apologize however for security we are unable to get into specific details via this channel. -Emily

New Member

I follow with everyone else that comments that we need to increase the limit to at least $1,500, or preferably like many other major banks to $2,500, and that we need to enable recurring payments, again like most major banks.


I'd use my USAA bank over my FCU way more, including payroll direct deposits, if I could use my USAA account for rent payments. Sounds like USAA isn't interested since numerous people have been stating that for quite some time already and nothing's been done about it. Until then.....

USAA Service
USAA Service

I appreciate the feedback, and the time you took to provide it, @jawad101. Rest assured, I'll be providing this feedback to our business teams for use during product enhancements. Please don't hesitate to reach out if you have any other questions, in the meantime. - Cathleen 


My new landlord only takes payments through Zelle, and because of USAA's restrictions and lack of recurring payments, I've had to open an account with another bank just to pay rent. If banks are selling Zelle to everyone as the new standard across banks, you need to provide the same level of Zelle's services as other banks. 

USAA Service
USAA Service

Felicity, we are sadden to hear of your experience. We offer Zelle which would allow you to send funds to anyone who is a registered Zelle user, even if they do not bank with USAA.  Can you share more about what had you needing to open another account? ~JM

New Member

Zelle stopped working for me on the USAA app. I can go up to selecting the individual to send money to but when I select to pay, it tells me it's unable to perform that action at that this time. This has been the case for months.

USAA Service
USAA Service

Hello @Charles P. We would like to look into this more for you see what may be causing this. Please call us at 210-531-8722 or chat online with us for assistance. -Colleen

New Member

I'm with Felicity. I just had to open a whole new account just to pay rent because my rent is more than $1000 and USAA unlike other banks has such a low daily limit. Increasing the daily limit to $2500 would put it in line with most other major banks and make the service much more usable for the primary reasons people are trying to use it.

USAA Service
USAA Service

@kariwilson, Thanks for your feedback regarding Zelle limits. I've shared your comments with our bank team. - Ben