How to Create Two Zelle Accounts

Zelle is a service that helps you transfer your money seamlessly and quickly. Many banks across the US support Zelle and allow payment through the service. The service itself is tied to your bank account and your phone number.

Although you can transfer your money through Zelle’s standalone app, the vast majority of major US banks feature Zelle as an automatic protocol. It’s a unique and powerful service that makes money transfers very simple and straightforward. Here’s how to become savvy at using Zelle.

What You Can’t Do

Before proceeding, let’s deal with all the things that Zelle doesn’t allow you to do. First and foremost, you cannot connect more than a single bank account to your Zelle profile. Of course, you can create two Zelle accounts using different credentials, but this likely won’t solve anything.

That’s somewhat of an inconvenience, as you may want to use different bank accounts for your money transactions. Zelle claims that this option may become available at some point, so stay tuned.

The Zelle app allows you to send and receive money using the app alone. However, if you want to send money to a contact who doesn’t have a Zelle account set up, you won’t be able to do it. Luckily, your bank probably supports Zelle, so you might still be able to send the money through your banking app.

zelle accounts

Enrolling in Zelle

This day and age, you’d think that opening an account would be the easiest thing in the world. Unfortunately, this is the hardest thing about Zelle. Luckily, when you’ve set up the account, everything else will run smoothly.

Before starting, check whether your bank supports Zelle. As mentioned, you may use Zelle as a standalone app, but you won’t get to experience the app’s full potential unless your bank supports it.

The main reason why Zelle is so difficult to set up isn’t to be blamed on the app’s developers. Seeing as how Zelle works through one of many US-supported banks, a full walkthrough is impossible. The enrollment process depends on your banking app.

As a rule of thumb, though, the process is similar to most banking apps. Open the banking app and log in. If you have the 2FA enabled (which you definitely should in your banking app), follow the process you always do.

If you want to create a second account, Zelle allows that. However, you will have to provide another email or phone number for your second account. That’s because you can link one Zelle account to one bank account and one phone number or email.

Now, go to the section within the app that allows you to send money directly to a person. You should find the instructions there. If you’re still unable to set your Zelle account up, refer to Google, by entering “how to set up Zelle account for [the name of your bank].”

Sending/Receiving Money

Now that you have your Zelle account set up, everything else is a walk in the park. If you want to send money to someone through Zelle using your banking app, go to the transactions section on your bank’s app, and enter the recipient’s phone number or email address. Enter the amount of money that you want to send and confirm. If the recipient has a properly set-up Zelle account, the transaction should go through immediately. That’s one of the main benefits of Zelle – instant transactions.

create two zelle accounts

Alternatively, you can send your money through Zelle via the Send screen. Enter the recipient’s phone number and the amount, confirm, and the recipient should receive the money automatically.

Bear in mind, however, that the latter method is significantly less secure, as your bank doesn’t guarantee your money’s safety. It is more straightforward, though.

The Caveats

One of the main problems with sending money through Zelle is simultaneously the service’s biggest strong suit. Given the fact that the money transfer is pretty much instantaneous, once you’ve wired the money, there is no way to stop the transfer. You won’t be able to get the money back in any way. That’s why Zelle recommends that you shouldn’t send money to anyone other than trusted contacts.

If the recipient doesn’t have a Zelle account, they’re going to have to set it up to receive the money that you’ve sent. If not, the payment will land back in your account in 14 days. There is no other way to get your money back quicker, which can be a problem.

If your bank doesn’t happen to support Zelle (which is unlikely), you’ll only be able to send the money through the app. In addition to other mentioned downsides of doing this, the limit for sending the money via the Zelle app is $500 per week. On the other hand, the receiving limit doesn’t exist, which means that you can receive more than $500 per week on your Zelle account.

Money Transfers Made Easy Through Zelle

Zelle has made money transfers much simpler and easy, whether you’re using the Zelle app itself or your bank’s native app. Either way, the payments are pretty much instantaneous, and all the info that you need to enter to send money is the recipient’s phone number.

Of course, regardless of whether you’re using the Zelle app or your banking app, you need to have the Zelle account set up. That may take a while, but once you set it up, everything else is fairly simple.

Have you ever used Zelle for money transfers? Do you prefer using the Zelle app or your banking app? What’s your favorite thing about Zelle? Feel free to hit the comments section below with any questions/tips.

One thought on “How to Create Two Zelle Accounts”

Avatar James says:
Beware. Ally bank does not include an “Unsubscribe” option so if you want to unlink a telephone number or email address from any Ally Bank account you have to deal with their customer service which can be arduous since they don’t seem to think anyone would even consider unlinking from Zelle.

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