Explore The Value of Zelle®

Explore the Value of Zelle®


Over a thousand community banks and credit unions have benefited from Zelle®. Today, 84% of U.S. consumers use P2P payment methods to send and receive money. Zelle® has grown in popularity as a fast, safe and easy way to send and receive money with friends, family and others you trust using just an email address or U.S. mobile phone number. Aite estimates that 98% of Americans have access to Zelle®, either through their bank or the standalone Zelle® app3. 

Financial Institutions are Experiencing Substantial Growth in the Zelle Network®

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Watch and Learn How Your Financial Institution Can Benefit from the Value of Zelle®


Transaction value through the Zelle® Network in Q2 of 2023


Average transactions per Unique Sender in Q2 of 2023


Average transaction size in Q2 of 2023

What can Zelle® do for your FI?

reduce cash icon

Reduce cash and check management costs by digitizing payments. 

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Create more cross-selling opportunities. FIs using Zelle® report customers use more of their other products and services.5

Attract customers icon

Attract and retain more customers/members. Zelle® users are more profitable and stay with the FI Longer.5

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Drive customers/members to your app repeatedly so you maintain a central role in their financial lives. 


What can your customers and
members do with Zelle®?

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Save time; Skip the checks and ATM runs. 

send and receive money icon

Send and receive money from almost anywhere at any time. 

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Make payments and access money from received payments right away.

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Keep track of P2P transactions in online banking/app. 

Discover More from the Value of Zelle® Content Hub


Curinos Report: Zelle® Usage Drives Customer Engagement

The study found FIs that offer Zelle® experience a lift in overall customer engagement. These higher levels of engagement are most significant among low-engagement, new-to-bank and low-balance customers. This study was initiated at the request of Early Warning. Curinos independently designed, analyzed and documented research results.

cornerstone report

Cornerstone Report: The Impact of Digital P2P Payments on Community-Based Financial Institutions

Digital payment options are starting to play an increasingly important role in where consumers and small businesses decide to do their banking. According to Cornerstone’s research, “among consumers with a checking account, six in 10 send money to other people using a payment service like Zelle® or from their primary checking account provider’s website.”

Preventing Zelle® Fraud and Scams

Preventing Zelle® Fraud and Scams

Find out how Early Warning®, the owner and operator of the Zelle® Network, is bringing together community financial institutions and consumers to prevent P2P payment fraud and scams.  

Incredible Bank Case Study Thumnbail

IncredibleBank Case Study

Since offering Zelle® as its digital payment solution in July of 2020, IncredibleBank, an online national community bank headquartered in Wisconsin, is well on the way to meet its retention and deposit goals by keeping customers using services in the IncredibleBank app.

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Zelle® Growth Infographic

Learn how FIs in the Zelle Network® will not only own the transactions from Zelle® users that once occurred outside their app but will see increases in the number of digital transactions and user engagement in their banking app within the first quarter after going live.

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Frost Bank Case Study

Download and learn how Frost increased their small business payments by 78%. With Zelle® Small Business, Frost offers an easy payment experience to their small business customers while enhancing their cash flow. 

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2021 Zelle® Momentum

Nearly half a trillion dollars were sent by consumers and businesses with Zelle® in 2021 

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Zelle® P2P Flyer

Zelle® has grown in popularity as a fast, safe and easy way to send and receive money with friends, family and others you trust using just an email address or U.S. mobile phone number. 

Interested in getting started with Zelle®?

Select your reseller below.  If you do not work with one of the resellers, complete the form and an Early Warning representative will contact you.

*Incredible Customer Experience is a trademark by IncredibleBank 
1 - FI in-app experience during the first 3-month period after going live. Actual results will vary based upon factors such as marketing, promotions, sales training, product positioning, etc. All transactions referenced only apply to transactions within the Zelle® common mobile app (Zelle® app) or within the Zelle® in-network bank app experience and does not refer to all bank transactions.
2-Person-to-Person Payments in the U.S.: The Case for Real Time, Aite-Group 2019 
3 - Faster Payments for Community Banks and Credit Unions, Aite Group Oct. 14, 2020 
4-Source: Value of Zelle®, November 2021. Early Warning Customer Data, Curinos Benchmark Data, Curinos Analyses; metrics calculated using November 2020 data (with some metrics looking back up to 90 days). Cost savings exclusive of the costs incurred by the financial institution to offer Zelle®; Overdraft costs excluded. 
5 – Zelle®, “Zelle® Closes 2020 with Record $307 Billion Sent on 1.2 Billion Transactions”, March 19, 2021. 
6- U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.