Can I Zelle Myself from One Bank to Another?

By Jim Marous 10 Min Read

Can I Zelle myself? Yes, you can Zelle yourself from one bank to another but not directly. Zelle does not provide a one-click button that says “Send funds to yourself”.

You probably want to Zelle to yourself from one bank to another because you just need two profiles. That is completely OK—we all do that. Note that having two Zelle accounts has nothing to do with “identities”, just different profiles in Zelle’s system that belong to you.

I’ve set up accounts with many Zelle partner banks. They all have my same phone number and email. But when setting up Zelle, if you’ve used those details elsewhere, you need to remove them. Each profile should have its own unique email. You don’t need to add a phone number.

This is just how Zelle operates. It’s easy once you get it.

You can use Zelle to move money between accounts quickly without any fees. I haven’t used checks for a long while now. Wire transfers aren’t the best choice nowadays, except in rare cases.

It’s simple if you’re organized. But it’s up to you. Just make sure not to share incorrect information with others.

[box title=”Key Takeaways” style=”soft” box_color=”#333333″ title_color=”#FFFFFF” radius=”3″]
  • You can create two Zelle accounts, but each must have unique credentials.
  • The same bank account cannot be linked to two different Zelle accounts.
  • Each Zelle account requires a unique email and phone number for registration.
[/box]

Can I Zelle Myself from One Bank to Another?

Can I Zelle Myself from One Bank to Another

Yes, you can Zelle yourself from one bank to another.

Each bank account profile on Zelle must have a unique email address and phone number.

It’s recommended to use Zelle through the bank’s app rather than the standalone Zelle app for better reliability.

Ensure that no two bank accounts on Zelle share the same phone number or email. Otherwise, Zelle will notify you that you already have an account.

Once you’ve set up a second Zelle account, transferring money between your Zelle accounts is straightforward. To send money to your other Zelle account using your banking app, you’ll need to enter the second Zelle account’s phone number or email address, specify the amount, and confirm the transaction. The transaction is typically instant.

Can I Zelle Myself to Another Bank?

Yes, you can use Zelle to transfer money to yourself from one bank to another.

You need a unique identifier, so each bank account you want to use with Zelle should have a unique identifier, either a different email address or phone number. This ensures that Zelle recognizes each account separately.

It’s often more reliable to use Zelle directly through your bank’s app rather than the standalone Zelle app.

Also, some banks might have specific guidelines or restrictions regarding using Zelle for self-transfers, so it’s a good idea to check with your bank if you encounter any issues.

How Do I Use Zelle Between My Own Accounts?

If you wish to create two Zelle accounts, you can, but there are some considerations:

  1. You cannot link the same bank account to two different Zelle accounts.
  2. You also cannot have multiple bank accounts attached to a single Zelle account.
  3. For a second Zelle account, you need a separate bank account, email, and phone number.

Before you use Zelle between your own accounts, ensure your bank supports Zelle. While you can use Zelle as a standalone app, it’s more beneficial if your bank supports it.

1. Enroll Two Zelle Accounts

  • Open your banking app and log in.
  • If you have 2FA enabled, follow the usual process.
  • Navigate to the section that allows you to send money directly to a person and follow the instructions there.
  • If you face issues, search online for “how to set up a Zelle account for [your bank’s name]”.

2. Set Up a Second Zelle Account

Zelle allows you to create a second account, but you cannot link one bank account to multiple Zelle accounts.

For a second Zelle account, you’ll need a separate bank account, email, and phone number.

Navigate to the section within your banking app that allows money transfers. Here, you should find instructions to set up a second Zelle account.

3. Send/Receive Money to Second Zelle Account

  • Once your second Zelle account is set up, go to the transactions section of your banking app.
  • Enter your second Zelle account’s phone number or email address.
  • Specify the amount of money you want to send.
  • Confirm the transaction.

If everything is set up correctly, the transaction should process instantly.

Alternatively, you can use the Zelle app directly.

  • Go to the “Send” screen.
  • Enter your second account’s phone number and the amount.
  • Tap Confirm.

If you don’t have a second Zelle account set up properly and you send money to it, the payment will return to your main Zelle account in 14 days.

If your bank doesn’t support Zelle, you can only send money through the Zelle app, which has a limit of $500 per week. Using your bank account to send money via Zelle usually has a higher limit.

Can I Use Zelle to Transfer Money Between My Accounts at Different Banks?

Yes, you can use Zelle to transfer money between your accounts at different banks. L

Zelle is a service supported by many US banks that allows quick money transfers. It’s tied to your bank account and phone number.

While you can use Zelle’s standalone app, many major US banks have integrated Zelle directly into their banking apps.

If you wish to create two Zelle accounts to transfer money between your accounts at different banks, you can, but there are some considerations:

  1. You cannot attach a single bank account to more than one Zelle account.
  2. To create a second Zelle account, you need a different bank account, email, and phone number.
  3. Sending money using Zelle is typically done within your banking app. To send money to your second Zelle account, you’d enter the phone number or email associated with that account, specify the amount, and confirm the transaction. Transactions are usually instant.

Limitations

    • You cannot connect the same bank account to two Zelle accounts.
    • You cannot have more than one bank account attached to a single Zelle account.
    • If you send money to a contact who doesn’t have a Zelle account, the transaction won’t go through. If the recipient doesn’t set up their Zelle account within 14 days, the money will be returned to the sender’s account.
    • Using the standalone Zelle app has a sending limit of $500 per week while using Zelle through your bank might have a higher limit.

*Note

Using Zelle directly through your bank’s app is more secure than using the standalone Zelle app. That’s because your bank does not guarantee the safety of your funds when using the standalone Zelle app.

Can You Have Two Zelle Accounts with the Same Number?

Yes, you can create two Zelle accounts, but each account must have unique credentials.

However, there are some important points to note:

  1. You cannot link the same bank account to two different Zelle accounts.
  2. Each Zelle account must have a unique email and phone number.
  3. You cannot attach more than one bank account to a single Zelle account.

If a second Zelle account isn’t set up correctly, any money sent to it will be returned to the primary Zelle account after 14 days.

Conclusion—Can I Zelle Myself?

Yes, you can Zelle yourself from one bank to another. However, you need a different email ID and phone number for both accounts. You can neither connect two banks with the same ID to one Zelle nor link one bank to the same Zelle account. All in all, you want to use a different email and phone number for each account.

Resources

  • What’s Zelle®? Glad you asked! Zelle
  • Safely send money to friends and family, no matter where they bank! Zelle
  • How can we help you with the Zelle® app? Zelle
  • Frequently Asked Questions. Zelle

Read alsoCan I Use Zelle Without a Bank?

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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