USAA-Memeber-Community-Zelle-Image.JPG

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.

 

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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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138 Comments
USAA Social Service
USAA Service
USAA Service

@CarissaB29, If you have recently changed your name and it did not update through Zelle, you may need to unenroll and then re-enroll in Zelle. Remember that could take a few days to verify, so make sure you do not need to transfer funds in the meantime. If this still doesn't work, please call our website support team at 877-632-3002. Thanks!  ~Tom

TVD73
Occasional Visitor

I am truly disgusted being a memeber of USAA for years, and that they endorse a company such as Zelle.  My minor child made a purchase with a fradualnt company using Zelle.  When I immediatly realized it I contacted USAA to stop payment and file a claim of this situation. They started an investigation but response they could not assist me.  I have fraudulant protection so I thought through USAA.  Now I am out $650 dollars.  I have filed police reports, FBI, BBB and Attorney General.  Disappointed in USAA 

USAA Social Service
USAA Service
USAA Service

@TVD73, we are sadden to read of what happened with your child and would like to have this matter reviewed. We appreciate you letting us know what happened. 

cbrou12
New Member

Beware! There were 6 Zelle transactions from my checking account that I had nothing to do with. There were two incoming transactions in the amount of $500 and $499. Then there were four outgoing transactions ($500 twice, $499 twice). I wasn't scammed; it was legit fraud. I didn't send money. I didn't receive money. I literally had nothing to do with it. USAA's system was apparently hacked, yet USAA IS REFUSING TO GIVE ME MY MONEY BACK! I've been a member for 15 years. I've never been so disappointed in USAA in my life. I'm genuinely thinking about closing all of my accounts and going to Chase.  

USAA Social Service
USAA Service
USAA Service

@cbrou12, Thanks for taking the time to post. I regret to hear how your fraud claim was handled. I've located and forwarded your information to the appropriate are for further view. - Ben 

TVD73
Occasional Visitor

So USAA endorses Zelle but does not protect you from fraud?  Neither Zelle or USAA is willing to reimburse funds or pursue fraudulant companies/banks who took money from a minor?  I have police reports, FBI, BBB and Attorney General reports filed. When I realized I cancelled but was informed USAA couldn't stop payment?  Being a USAA member for years this is truly disappointing that I am out $650 with no protection from Fraud from Zelle who they clearly endorse.  

Angry Member!
New Member

On June 16, 2020, a fake check for $1,000 was deposited into my USAA Federal Savings Bank savings account. The same day, three Zelle transactions ($10, $490, and $500) were sent to an unknown individual. On June 18, 2020, another fake check for $1,000 was deposited into my USAA Federal Savings Bank savings account. The same day, two Zelle transactions ($1 and $999) were sent to another unknown individual. I have never had a Zelle account or had the Zelle app downloaded to my phone. The endorsements on both fake checks are clearly forged. USAA Federal Savings Bank has determined both checks were Altered/Fictitious. USAA Federal Savings Bank is currently holding me liable for both checks ($2,000) and Returned Item Fees ($10). I have requested several Fraud Investigations from USAA Federal Savings Bank. Each time, the USAA Federal Savings Bank Fraud Department has determined I am at fault. The only department to reach out to me has been the Collections Department. I have filed a local police report as well as a FBI Internet Crime Complaint Center (IC3) report. Those reports were submitted to USAA Federal Savings Bank to no avail. My accounts have since been suspended. Can someone please tell me what recourse I have?

USAA Social Service
USAA Service
USAA Service

@Angry Member! Thank you for sharing your concerns. I'm sorry to hear of the issues you experienced with your account and I understand the urgency of your situation. I have located your information and forwarded your concerns for further review. We appreciate the opportunity to address your concerns. Tricia

sailaway
Regular Visitor

read over the acceptance statement and did not sign up. Just checking to see if I was not signed up by see if I was not accepted here

sailaway
Regular Visitor

re my previous note:

Please remove me and my name from the list of members of Zelle

Thanks,   Gary Wachter