Qué bancos en EE.UU. usan Zelle, cómo se usa y qué beneficios tiene para hacer pagos

Conocida y reconocida a nivel mundial como una de las alternativas más convenientes para enviar y recibir dinero electrónicamente, Zelle ha dominado la escena de las aplicaciones de pago móvil por su fácil uso, su rapidez y su seguridad. En los últimos años ha desplazado a sus similares y se ha impuesto como líder en su campo, adquiriendo una popularidad que la ha llevado a estar disponible en todo Estados Unidos a través de una basta red de bancos y entidades financieras que han visto en ella la mejor opción para cubrir las necesidades de sus clientes.

A diferencia de otros servicios similares, el principal beneficio de usar Zelle es la posibilidad de obviar transferencias bancarias adicionales, depósitos o cheques, ya que se limita a solo tres requisitos básicos: correo electrónico, número de teléfono móvil y los datos de una tarjeta de débito asociada a una cuenta bancaria en Estados Unidos.

Zelle —cuyo lanzamiento se remonta a 2017— es el resultado de la unión de cinco de los bancos más grandes del país: JPMorgan Chase, US Bancorp, Wells Fargo, BB&T y PCN Financial Services Group.

¿Cómo se usa Zelle?

De acuerdo con Wells Fargo, el uso de Zelle dependerá del tipo de transacción que el cliente necesite hacer. En ese sentido, existen varios pasos a seguir si se consideran las dos operaciones básicas para las cuales fue diseñada esta aplicación:

Enviar dinero:

1. El primer paso corresponde a la afiliación a este servicio mediante la banca en línea que corresponda. Al hacer clic en la opción correspondiente a Zelle, el sistema solicitará que el cliente se afilie al servicio aceptando términos y condiciones y proporcionando una dirección de correo electrónico y un número de teléfono móvil. Del mismo modo, si el cliente dispone de varias cuentas, deberá elegir una para que esté asociada a Zelle.

2. Luego de afiliarse y proporcionar todos los datos, el sistema le permitirá agregar destinatarios a través de un botón normalmente identificado con el símbolo “+”. Las mismas operaciones se pueden llevar a cabo a través de la app independiente de Zelle. Cuando haya agregado al destinatario o los destinatarios, basta con seleccionar la opción correcta para enviarle dinero.

3. Ingresar el fondo y seleccionar la cuenta de la cual se enviarán los fondos. Esta herramienta también puede permitir que el cliente seleccione un plazo de entrega para que el dinero llegue al destinatario.

4. Hacer clic en continuar para revisar y enviar el pago. Es importante poner mucha atención en este paso. Luego de enviar, el sistema muestra una confirmación de la transacción con los detalles correspondientes. Mientras tanto, el destinatario recibirá un aviso vía correo o a través de un mensaje de texto con la noticia de haber recibido dinero a través de esta herramienta.

Recibir dinero

Para recibir dinero vía Zelle, solo es necesario hacer el registro del mismo modo que lo haría una persona que envía; es decir, a través de la banca en línea. Los datos necesarios para el registro son los mismos: correo electrónico y un número de teléfono. También una cuenta donde se recibirán los fondos.

¿Qué bancos en Estados Unidos disponen de Zelle para sus transacciones electrónicas?

Por haber resultado de la alianza de los bancos más importantes en Estados Unidos, en los últimos años, Zelle ha aumentado su disponibilidad a una gran cantidad de instituciones financieras en el país, desde bancos internacionales y tradicionales, hasta bancos locales, corresponsales y también aquellos que operan virtualmente, sin ningún tipo de sucursal física. De acuerdo con Zelle, la lista extendida de bancos en Estados Unidos que usan este servicio es la siguiente:

A

1. Alden State Bank
2. Alliance Bank
3. AllSouth Federal Credit Union
4. Ally
5. Ambler Savings Bank
6. Amegy Bank
7. Amerant Bank
8. America First Credit Union
9. American Bank
10. American Bank of the North
11. American Community Bank & Trust
12. American Investors Bank and Mortgage
13. Ameris Bank
14. Anchor Bank
15. Andover Bank
16. Arvest Bank
17. Associated Bank
18. Atlantic Union Bank

B

1. BAC Community Bank
2. BancorpSouth Bank
3. Bank of America
4. Bank of Botetourt
5. Bank of Central Florida
6. Bank of Colorado
7. Bank of Commerce
8. Bank of Eastman
9. Bank of Hawaii
10. Bank of Holland
11. Bank of Mingo
12. Bank of New Jersey
13. Bank of Oak Ridge
14. Bank of the James
15. Bank of the Pacific
16. Bank of the West
17. Bank of the West (TX)
18. Bank of Travelers Rest
19. Bank of York
20. Bank OZK
21. Bank Rhode Island
22. Bank-Fund Staff FCU
23. Bank7
24. Bankers Trust Company
25. BankESB
26. BankHometown
27. BankNewport
28. Barrington Bank
29. BB Americas Bank
30. BB&T
31. BBVA
32. BECU
33. Beehive Federal Credit Union
34. Belmont Bank & Trust
35. Benchmark Community Bank
36. Beneficial Bank
37. Beverly Bank
38. Blue Foundry Bank
39. BMO Harris Bank
40. BNB Bank
41. BNY Mellon
42. BOND Community FCU
43. Boston Firefighters Credit Union
44. Bradford National Bank of Greenville
45. Bremer Bank
46. Brickyard Bank
47. Bridgeview Bank
48. Bridgewater Savings Bank
49. Brookline Bank
50. Byline Bank

C

1. C&F Bank
2. CAFCU
3. California Bank & Trust
4. Cape Cod Five Cents Savings Bank
5. Capital Credit Union
6. Capital One
7. Carrollton Bank
8. Carter Bank & Trust
9. CCNCU
10. Cedar Rapids Bank & Trust
11. Centennial Bank
12. Centra Credit Union
13. Central Bank
14. Central Bank KY
15. Central Bank of Audrain County
16. Central Bank of Boone County
17. Central Bank of Branson
18. Central Bank of Lake of the Ozarks
19. Central Bank of Moberly
20. Central Bank of Oklahoma
21. Central Bank of Sedalia
22. Central Bank of St. Louis
23. Central Bank of the Midwest
24. Central Bank of the Ozarks
25. Central Bank of Warrensburg
26. Centreville Bank
27. Chain Bridge Bank
28. Charter Bank
29. Chase
30. Cheaha Bank
31. Chemung Canal/Capital Bank
32. CIT Bank
33. Citi
34. Citizens Bank
35. Citizens Bank & Trust Co. (MN)
36. Citizens Bank & Trust Company
37. Citizens Bank (LA) – Baton Rouge/Plaquemine
38. Citizens Bank of Edmond
39. Citizens Bank of the South
40. Citizens Deposit Bank and Trust
41. Citizens National Bank of Meridian
42. Citizens Savings Bank
43. City Bank and Trust Company
44. City Credit Union
45. City National Bank
46. City National Bank (FL)
47. City National Bank (WV)
48. Clarion County Community Bank
49. Classic Bank
50. Clear Mountain Bank
51. CNB Bank (NM)
52. Coastal Bank & Trust
53. Coastal Community Bank
54. Coconino Federal Credit Union
55. Collins State Bank
56. Columbia Bank
57. Columbia State Bank
58. Comerica Bank
59. Communication Federal Credit Union
60. Community Bank and Trust
61. Community First National Bank
62. Community State Bank
63. ConnectOne Bank
64. Coop Bank of Cape Cod
65. Core Bank
68. Cornerstone Bank
69. Cornerstone Community Bank
70 Coulee Dam FCU
71. Crest Savings Bank
72. Croghan Colonial Bank
73. Crystal Lake Bank
74. Cumberland Federal Bank

D

1. D.L. Evans Bank
2. Dairy State Bank
3. Dean Bank
4. Del-One FCU
5. Delta Community Credit Union
6. Desjardins Bank
7. Dime Community Bank
8. Discover Bank
9. Dollar Bank
10. Drake Bank

E

1. Eastern Bank
2. Edmonton State Bank
3. Embassy National Bank
4. Emory Alliance Credit Union
5. Enterprise Bank
6. Enterprise Bank & Trust Co.
7. Envision Bank
8. ESSA Bank & Trust
9. Exchange Bank & Trust

F

1. F&M Trust
2. Fairport Savings Bank
3. Farmers & Merchants Bank & Trust
4. Farmers Bank
5. Farmers Insurance Federal CU
6. Farmers State Bank (MT)
7. FAST Credit Union
8. Fauquier Bank
9. FCNB of Upper Sandusky
10. Fidelity Bank
11. Fidelity Bank (NC)
12. Fidelity Deposit and Discount Bank
13. Fifth Third Bank
14. FineMark National Bank & Trust
15. First Alliance Credit Union
16. First Arkansas Bank & Trust
17. First Bank & Trust Company
18. First Bank (NC)
19. First Bank (NJ)
20. First Bank Financial Centre
21. First Bank of Boaz
22. First Bank of Highland Park
23. First Citizens Bank
24. First Citizens National Bank
25. First Commerce Bank
26. First Community Bank (AR & MO)
27. First Community Bank (SC & GA)
28. First Community Bank of Cullman
29. First Eagle Bank
30. First Farmbank
31. First Farmers and Merchants Bank
32. First Federal Bank of Louisiana
33. First Federal Savings Bank
34. First Fidelity Bank
35. First Financial Northwest Bank
36. First Foundation Bank
37. First Horizon Bank
38. First IC Bank
39. First International Bank & Trust
40. First Ipswich Bank
41. First Midwest Bank
42. First National Bank Alaska
43. First National Bank DeRidder
44. First National Bank in Carlyle
45.First National Bank Minnesota
46. First National Bank of Bemidji
47. First National Bank of Brookfield
48. First National Bank of Central Texas
49. First National Bank of Fort Smith
50. First National Bank of Giddings
51. First National Bank of Louisiana
52. First National Bank of Mount Dora
53. First National Bank of NWA
54. First National Bank of Pennsylvania
55. First National Bank of Pulaski
56. First National Bank of Scotia
57. First National Bank of South Miami
58. First National Bank of Tennessee
59. First National Bank of Waterloo
60. First National Bank of Waverly
61. First National Bank Tremont
62. First Option Bank
63. First Peoples Bank
64. First Republic Bank
65. First Savings Bank of Hegewisch
66. First Seacoast Bank
67. First Security Bank & Trust Company
68. First State Bank (TX)
69. First State Bank of Middlebury
70. First State Bank of St Charles
71. First State Bank of TX
72. First State Bank of Uvalde
73. First Tech
74. First United Bank & Trust
75. FirstBank
76. FirstBank Southwest
77. FirstCapital Bank of Texas
78. Fitzsimons Credit Union
79. Five Points Bank
80. Five Points Bank Hastings
81. Flagstar Bank, FSB
82. FNB Community Bank
83. FNB Creston
84. FNBC Bank and Trust
85. Forest Park Bank
86. Forreston State Bank
87. Fort Hood National Bank
88. Fort Lee Federal Credit Union
89. Franklin Savings Bank
90. Franklin Synergy Bank
91. Fremont Bank
92. Frost Bank

G

1. Gateway First Bank
2. GECU
3. Geo. D. Warthen Bank
4. Gibsland Bank & Trust
5. Glens Falls National Bank and Trust Company
6. Glenview State Bank
7. Go Energy Financial Credit Union
8. Gorham Savings Bank
9. Grand Ridge National Bank
10. Greenville Savings Bank
11. Grundy Bank
12. Guadalupe Bank
13. Guaranty Bank – MS

H

1. Happy State Bank
2. Harrison County Bank
3. Heritage Bank
4. Heritage Bank (KY)
5. Heritage Bank of Schaumburg
6. Hilltop Bank
7. Hinsdale Bank
8. Home Federal Bank
9. Home State Bank
10. Home State Bank (IL)
11. HomeStreet Bank
12. Hoyne Savings Bank
13. HSBC
14. Hughes Federal Credit Union
15. Huntington Bank
16. Huron Community Bank

I

1. Idaho Central Credit Union
2. InBank
3. Independent Bank
4. International Finance Bank
5. Investors Bank
6. Investors Community Bank
7. Iron Workers Bank
8. Iroquois Federal Savings and Loan

J

1. JD Bank
2. Jefferson Bank of Missouri
3. John Marshall Bank
4. Johnson Financial Group
5. Jones Bank

K

1. Katahdin Trust Company
2. Kearny Bank
3. KeyBank
4. Kingston National Bank

L

1. Lake City Bank
2. Lake Forest Bank
3. Lake Shore Savings Bank
4. Lead Bank
5. Lee Bank
6. Level One Bank
7. Lexicon Bank
8. Liberty National Bank
9. Libertyville Bank
10. LifeStore Bank
11. Llano National Bank
12. Lyons National Bank

M

1. M&T Bank
2. Main Street Bank
3. Malvern National Bank
4. Manasquan Bank
5. Marblehead Bank
6. Marion Center Bank
7. Marquette Bank
8. Marquette Savings Bank
9. Mars Bank
10. Martha’s Vineyard Bank
11. MB Financial
12. MC Bank & Trust Company
13. MCNB Bank and Trust Co.
14. MemoryBank
15. Merchants Bank
16. Merchants Bank of Alabama
17. Merck Sharp and Dohme FCU
18 MERCO Credit Union
19. Metairie Bank
20. Metro City Bank
21. METRO Federal Credit Union
22. Mi BANK
23. Michigan Educational Credit Union
24. MidFirst Bank
25. MidSouth Bank
26. Midwest BankCentre
27. Midwest Heritage
28. MidwestOne Bank
29. Milford Bank
30. Millington Bank
31. Minster Bank
32. MOCSE Federal Credit Union
33. MONIFI
34. Monona Bank
35. Monson Savings Bank
36. Montgomery Bank
37. Morgan Stanley
38. Mountain America Credit Union
39. My Healthcare FCU

N

1. National Bank of Arizona
2. National Bank of Sallisaw
3. Navy Federal Credit Union
4. NBC Oklahoma
5. NBT Bank
6. Neighbors Federal Credit Union
7. Nevada State Bank
8. Northbrook Bank
9. Northfield Bank
10. Northumberland National Bank
11. Northwest Bank
12. Northwestern Bank

O

1. Ohio State Bank
2. Old Plank Trail Community Bank
3. Old Second National Bank
4. OneWest Bank
5. Open Bank
6. Opus Bank
7. Origin Bank
8. OSB Community Bank
9. Osgood State Bank

P

1. Pacific Alliance Bank
2. Pacific NW FCU
3. Park Ridge Community Bank
4. Parkway Bank
5. Partners Bank
6. Patterson State Bank
7. Pedestal Bank
8. Peoples Bank (IN & IL)
9. Peoples Bank (OH)
10. Peoples National Bank
11. Peoples State Bank
12. PeoplesBank
13. Philo Exchange Bank
14. Piedmont Federal Savings Bank
15. Pinnacle Bank
16. Pinnacle Bank Texas
17. Pinnacle Bank Wyoming
18. Pioneer Bank
19. PlainsCapital Bank
20. Planters Bank
21. PNC Bank
22. Premier Bank
23. PremierOne Credit Union
24. PrimeSouth Bank
25. Provident Bank
26. PyraMax Bank

Q

1. Quad City Bank & Trust
2. Quontic Bank

R

1. Redwood Capital Bank
2. Regions Bank
3. Reliance Bank
4. Reliance Bank (MN)
5. Renasant Bank
6. Republic Bank
7. Republic Bank of Chicago
8. Rhinebeck Bank
9. River City Bank
10. Rivertrust FCU

S

1. S & T Bank
2. Salem Five Cents Savings Bank
3. San Luis Valley Federal Bank
4. Sandhills Bank
5. Sanibel Captiva Community Bank
6. Saratoga National Bank and Trust Company
7. Schaumburg Bank
8. SchoolsFirst Federal Credit Union
9. Sea West Coast Guard FCU
10. Seaside National Bank & Trust
11. Security First Bank
12. Seneca Savings
13. Severn Bank
14. SFC Bank
15. SNB Bank, NA
16. Somerset Savings Bank
17. South Atlantic Bank
18. South Georgia Banking Company
19. South Shore Bank
20. South State Bank
21. Southern First Bank
22. Southwestern National Bank
23. Springs Valley Bank and Trust
24. St. Anne’s Credit Union
25. St. Charles Bank
26. St. Mary’s Credit Union
27. Star One Credit Union
28. Starion Bank
29. State Bank & Trust
30. State Bank of Southern Utah
31. State Bank of the Lakes
32. State Department FCU
33. Stephenson National Bank and Trust
34. Sterling National Bank
35. Stockman Bank of Montana
36. Suncoast Credit Union
37. Suncrest Bank
38. Sunstate Bank
39. SunTrust
40. Surrey Bank & Trust

T

1. T Bank
2. TAPCO Credit Union
3. TBK Bank, SSB
4. TD Bank
5. Terrabank
6. Territorial Savings Bank
7. Texas Regional Bank
8. The Bank
9. The Bank of Hemet
10. The Bank of Missouri
11. The Callaway Bank
12. The Farmers National Bank of Emlenton
13. The Federal Savings Bank
14. The Marblehead Bank
15. The Savings Bank
16. The State Bank
17. The State Bank Group
18. The Union Bank Co.
19. The Westchester Bank
20. Think Mutual Bank
21. Thomaston Savings Bank
22. TIAA Bank
23. Timberline Bank
24. Touchstone Bank
25. Town & Country Bank
26. Town Bank
27. Tradition Capital Bank
28. Travis Credit Union
29. Tri City National Bank
30. Troy Bank & Trust
31. Tucoemas Federal Credit Union
32. Tucson Federal Credit Union
33. Tyndall Federal Credit Union

U

1. U.S. Bank
2. U.S. Century Bank
3. Ulster Savings Bank
4. Umpqua Bank
5. Union Bank Monticello (AR)
6. United Bank
7. United Bank of MI
8. United Community Bank
9. United Fidelity Bank
10. United Southern Bank
11. Universal Bank
12. US Community Credit Union
13. USAA
14. UW Credit Union

V

1. Valliance Bank
2. Vectra Bank Colorado
3. Village Bank
4. Virginia Commonwealth Bank
5. Virginia National Bank
6. VisionBank
7. VyStar Credit Union

W

1. WaFd Bank
2. Wallis Bank
3. Washington Savings Bank
4. Washington Savings Bank (MA)
5. Water and Power Community Credit Union
6. Wayne Bank
7. Wells Fargo
8. WEOKIE
9. Wescom Credit Union
10. West Community Credit Union
11. West Gate Bank
12. Western Bank (TX)
13. Western States Bank
14. Westmoreland Federal Savings
15. Wheaton Bank
16. Wilson Bank & Trust
17. Windsor Federal Savings
18. Winnsboro State Bank
19. Wintrust Bank
20. Woodlands Bank
21. Wrentham Cooperative Bank
22. WSFS Bank
23. Wyoming Bank & Trust

Y

1. Yakima Federal Savings
2. Yampa Valley Bank

Z

Zions Bank

Otros

1. 1st Bank of Sea Isle City
2. 1st Constitution Bank
3. 1st Source Bank
4. 1st Trust Bank

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