Changes to the Zelle App: What Patriot Members Need to Know

What’s Changing with the Zelle App?

Zelle has phased out its standalone app. Effective April 1 2025, users are no longer able to send or receive money through the Zelle app. To continue using Zelle, you must enroll through a participating bank or credit union’s mobile or online banking platform.

What This Means for Patriot Members

Patriot does not currently offer Zelle within our mobile or online banking platforms. If you’ve been using the standalone Zelle app, this change may impact how you send and receive money. However, there are still secure and convenient alternatives available.

Patriot’s Secure Payment Solutions

We offer reliable alternatives for transferring funds:

• ACH Transfers – Set up incoming or outgoing ACH payments with the help of a Patriot team member.
• Mobile App ACH Transfers – Set up incoming ACH transactions directly via the Patriot mobile app.
• Online Bill Pay’s “Pay a Person” Feature – Send payments securely through Patriot’s Online Bill Pay system.

Alternative Payment Options

Consider exploring these other free and secure P2P payment apps:

• Venmo
• Cash App
• PayPal

These platforms allow transactions regardless of your financial institution. However, always exercise caution when using P2P services to protect your personal and financial information.

Stay Safe with P2P Payments

To ensure secure transactions, follow these best practices:

1. Enable Two-Factor Authentication – Add an extra layer of security.
2. Protect Your Credentials – Never share login details.
3. Verify Recipients – Double-check details before sending money.
4. Transact with Trusted Parties – Send money only to people you know and Trust.
5. Beware of Urgency Scams – Fraudsters use pressure tactics to trick users into quick transactions.

The Bigger Picture: Why Some Banks and Credit Unions Are Opting Out of Zelle

While Zelle is widely used, not every financial institution is on board due to concerns about:

1. Fraud Risks – Instant, irreversible transactions make it a prime target for scams.
2. Liability Issues – If a user is tricked into sending money, neither Zelle nor the financial institution may be responsible for reimbursement.
3. Limited Control – Smaller banks and credit unions have little say in Zelle’s policies, which are controlled by larger banks.

What’s Next?

With Zelle shifting exclusively to financial institutions’ platforms, concerns about security and liability are growing. Now more than ever, users should verify transactions and remain vigilant against scams. If you rely on Zelle, consider exploring other safe and reliable payment options.

At Patriot, we continuously evaluate new technologies to enhance your digital banking experience. While we do not currently offer Zelle, we are committed to exploring secure, innovative P2P solutions for our members. Your security and financial well-being are our top priorities. If you have questions about secure payment solutions, reach out—we’re here to help!