Zelle has a limit on the amount I can transfer, especially for new contacts. And it is precisely new contacts where I need to make a big payment, latest example being the contractor to remodeled my kitchen and didn't want credit card payment for some reason.
Exactly this. Paying 3% more for credit card vs cash is a wash for me. I get 2x back by charging it to my Amex Blue Business Plus, those 2x points are easily worth more than 3% when transferring to an airline.
You just can’t admit you are wrong can you? Zelle is free, supported by almost every bank in the US - I’m sure you will find one obscure credit union in East MiddleOfNowhere South Dakota who doesn’t support it - and it’s instant
you can't just admit you don't know wtf you are talking about
checks are a valid form of payment. if you receive one you have to be able to deal with it. some checks are too large for deposit via app. as someone else pointed out, zelle has limits that make sending large payments problematic. receiving a single check is much easier.
" supported by almost every bank in the US -" thanks for proving the point though
> I can’t think of one scenario where someone would be willing to take a large paper check in 2025.
You can't think very hard then?
> You would actually accept a paper check from someone over $10K?
yes. i have and will continue to do so. what, i'm going to say no to receiving money? after depositing that check, only a fraction of it was available the next day, with the remaining becoming available 3 or 4 days later.
Zelle isn't run by the banks, it's operated by Early Warning and it's a scam service designed to harvest everyone's bank transaction history for intelligence gathering and fraud detection services
> Zelle is owned by Early Warning Services, a financial tech firm and consumer reporting agency that is co-owned by seven of the largest U.S. banks: Bank of America, Capital One, Chase, PNC, Truist, U.S. Bank and Wells Fargo,
Once you are part of the banking system, everything is tracked anyway
https://www.zellepay.com/faq/how-long-does-it-take-receive-m...