How to View All Zelle Transactions

Evan Gower July 10, 2021

Zelle is a platform that offers an innovative way of making payments—all that two individuals need to send/receive money immediately are Zelle accounts. The transfer occurs almost instantaneously, which is the service’s main selling point.

As is the case with every platform that deals with money transactions, you’re best off knowing how it all works and what you need to do to ensure that your money is as safe as possible. This protective measure means you should view all Zelle transactions periodically to ensure there are no unknown transfers. This article explains how to view your Zelle transactions, plus it provides some helpful information about them. Let’s get started.

Viewing All Your Zelle Transactions

With Zelle, you can view your transactions at any time. However, you cannot view Zelle transactions within the app or website. To view all your transfers, you need to visit each bank you use with Zelle and see the transactions there. This requirement is why, before proceeding to contact the support over, for instance, a suspicious activity, you should always log in to the corresponding bank account and check the transactions first. In this way, not only can you be sure that you didn’t simply forget about a transfer, but you can also avoid having to deal back-and-forth with Zelle’s tech support, as they’ll ask you for a transactions screenshot.

To view your Zelle transaction history, perform the following steps:

Open your mobile banking app or online account and log in.
Navigate to “Send Money with Zelle®.”
Click on “Activity.”
Under the view option, select “Past.”

The above steps provide a list of all Zelle transactions processed through that particular bank. Repeat the steps for each bank involved with your account. Having a concrete testimonial for suspicious transactions is vital.

As you can see, for the most part, Zelle operates like and offers what most financial institutions do. However, it allows you to make immediate payments, which not all banks do or guarantee. Although Zelle is a brilliant service that brings something new to the table, care should be taken when using it, and don’t forget to keep security in mind.

Do you use Zelle? Does your bank support it? Feel free to ask any questions or share any tips regarding Zelle in the comments section below.

Where Can I Find Zelle?

As mentioned earlier, the main point of Zelle is allowing you to send/receive almost instantaneous payments using a simple, progressive app. The only condition here is that both you and the person you’re transacting with are on Zelle.

You can be on Zelle by either using a bank that offers Zelle or using it as a stand-alone service. North of 100 financial institutions worldwide actually support Zelle – so your bank most likely does, too. Use your bank’s dedicated app to sign up with Zelle and then link Zelle to your debit card or bank account. On the other hand, if your bank doesn’t offer Zelle, you can always use the stand-alone app and link it to your debit card directly.

Just How Quick Is It?

Okay, so Zelle is relatively quick. But just how fast is it? As its two main traits, efficacy and efficiency, are the pillars of Zelle, payments are, in most cases, completely instantaneous. Alternatively, they take a few minutes – but this is very rare. Generally, it’s a great thing, but the speed at which payments get processed is all the more reason to pay attention to on-spot verification. Triple-check all the information and the amount of money involved before tapping Send.

Ensure that you verify the recipient’s email address and phone number, not just for legitimacy. Zelle uses the person’s email address and phone number to identify them. If the provided email and phone number are fake on their Zelle account, problems could arise that you want to avoid.

How Much Do I Have to Pay?

If your bank supports Zelle and you want to access it through the bank, it’s the bank in question that sets the fees rather than using a stand-alone app. That said, with most banks, the app is primarily free – enrollment, sending/receiving requests, and sending/receiving funds. Of course, check the fees before deciding to use Zelle through a particular financial institution.

Alternatively, if you opt for using Zelle as a stand-alone app, there are no enrollment or sending/receiving money/requests fees involved.

How Much Can I Send?

The amount of money you can send depends on the bank/bank account/card that you’re using. As the case with fees, banks set the maximum send limits. If you’re using the stand-alone app, refer to your debit card’s issuer regarding the limitations.

What If I Send the Wrong Amount or to the Wrong Person?

According to Zelle, “The payment is irrevocable. Once that payment’s gone, you can’t get it back.” Yes, this means that there’s no guaranteed way to get your money back once you’ve sent it. The only way you could try to get your money back is to contact the actual recipient and hope for the best.

Some people disagree with this Zelle’s policy, but it’s going to stay this way for the time being. Zelle is a P2P service, and, as with most P2P payment services, there’s no assurance that you can retrieve money that you’ve accidentally sent.

Am I Protected Against Fraud, Theft, Loss, and Other Threats?

First of all, and before anything else, Zelle doesn’t offer any protection program for making transactions with people you don’t know, just like any other financial institution. This situation means that using Zelle is recommended only with people with who you’ve already done transactions outside the platform and with people you know personally.

That said, in case someone unauthorized uses Zelle or your bank account gets hacked, you should get reimbursed by the bank/debit card issuer. This process may take up to 10 days while the investigation gets conducted, so keep in mind that you likely won’t have access to the sent amount of money during that period. Another thing: the law may not protect you against defective purchases or scams. Therefore, look into it thoroughly before sending the money.