{"id":5688,"date":"2025-04-07T16:17:53","date_gmt":"2025-04-07T20:17:53","guid":{"rendered":"https:\/\/www.patriotfcu.org\/?p=5688"},"modified":"2025-05-15T09:34:04","modified_gmt":"2025-05-15T13:34:04","slug":"cambios-en-la-aplicacion-zelle-lo-que-los-miembros-de-patriot-necesitan-saber","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/changes-to-the-zelle-app-what-patriot-members-need-to-know\/","title":{"rendered":"Cambios en la aplicaci\u00f3n Zelle: Lo que los miembros de Patriot deben saber"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n: Cambios en la aplicaci\u00f3n Zelle: Lo que los miembros de Patriot deben saber\">\n\t\t<h1 class=\"single_post--title\">Cambios en la aplicaci\u00f3n Zelle: Lo que los miembros de Patriot deben saber<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/personal-finance\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">7 de abril de 2025<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/changes-to-the-zelle-app-what-patriot-members-need-to-know\/\"\n\t\t\tdata-sharetitle=\"Changes to the Zelle App: What Patriot Members Need to Know\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/changes-to-the-zelle-app-what-patriot-members-need-to-know\/\"\n\t\t\tdata-sharetitle=\"Changes to the Zelle App: What Patriot Members Need to Know\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-scaled.jpg\" class=\"attachment-full size-full\" alt=\"aplicaciones de pago\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-scaled.jpg 2560w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-540x360.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-730x487.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-768x512.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-1536x1024.jpg 1536w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-2048x1365.jpg 2048w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-396x264.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-800x533.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/shutterstock_19134879012-copy-002-75x50.jpg 75w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tEn Patriot Federal Credit Union, mantenerlo informado sobre los cambios que afectan su experiencia bancaria es nuestra prioridad. Algunos miembros utilizan servicios de pago P2P externos como Zelle. Si usa Zelle con su cuenta Patriot, esto es lo que necesita saber sobre los pr\u00f3ximos cambios.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><h2><strong>\u00bfQu\u00e9 est\u00e1 cambiando con la aplicaci\u00f3n Zelle?<\/strong><\/h2>\n<p>Zelle ha descontinuado su aplicaci\u00f3n independiente. A partir del 1 de abril de 2025, los usuarios ya no podr\u00e1n enviar ni recibir dinero a trav\u00e9s de la aplicaci\u00f3n Zelle. Para continuar usando Zelle, debe registrarse a trav\u00e9s de la plataforma de banca m\u00f3vil o en l\u00ednea de un banco o cooperativa de cr\u00e9dito participante.<\/p>\n<h2><strong>Lo que esto significa para los miembros patriotas<\/strong><\/h2>\n<p>Actualmente, Patriot no ofrece Zelle en nuestras plataformas de banca m\u00f3vil ni en l\u00ednea. Si usaba la aplicaci\u00f3n independiente de Zelle, este cambio podr\u00eda afectar su forma de enviar y recibir dinero. Sin embargo, a\u00fan existen alternativas seguras y convenientes.<\/p>\n<h2><strong>Soluciones de pago seguro de Patriot<\/strong><\/h2>\n<p>Ofrecemos alternativas confiables para transferir fondos:<\/p>\n<ul>\n<li><strong>Transferencias ACH<\/strong> \u2013 Configure pagos ACH entrantes o salientes con la ayuda de un miembro del equipo Patriot.<\/li>\n<li><strong>Transferencias ACH de la aplicaci\u00f3n m\u00f3vil<\/strong> \u2013 Configure transacciones ACH entrantes directamente a trav\u00e9s de la aplicaci\u00f3n m\u00f3vil Patriot.<\/li>\n<li><strong>Funci\u00f3n &quot;Pagar a una persona&quot; de Pago de facturas en l\u00ednea<\/strong> \u2013 Env\u00ede pagos de forma segura a trav\u00e9s del sistema de pago de facturas en l\u00ednea de Patriot.<\/li>\n<\/ul>\n<h2><strong>Opciones de pago alternativas<\/strong><\/h2>\n<p>Considere explorar estas otras aplicaciones de pago P2P gratuitas y seguras:<\/p>\n<ul>\n<li><strong>Venmo<\/strong><\/li>\n<li><strong>Aplicaci\u00f3n de efectivo<\/strong><\/li>\n<li><strong>PayPal<\/strong><\/li>\n<\/ul>\n<p>Estas plataformas permiten transacciones independientemente de su instituci\u00f3n financiera. Sin embargo, tenga siempre cuidado al usar servicios P2P para proteger su informaci\u00f3n personal y financiera.<\/p>\n<h2><strong>Mant\u00e9ngase seguro con los pagos P2P<\/strong><\/h2>\n<p>Para garantizar transacciones seguras, siga estas pr\u00e1cticas recomendadas:<\/p>\n<ol>\n<li><strong>Habilitar la autenticaci\u00f3n de dos factores<\/strong> \u2013 A\u00f1ade una capa extra de seguridad.<\/li>\n<li><strong>Proteja sus credenciales<\/strong> \u2013 Nunca compartas detalles de inicio de sesi\u00f3n.<\/li>\n<li><strong>Verificar destinatarios<\/strong> \u2013 Verifique los detalles antes de enviar dinero.<\/li>\n<li><strong>Realizar transacciones con partes de confianza<\/strong> \u2013 Env\u00eda dinero s\u00f3lo a personas que conozcas y en las que conf\u00edes.<\/li>\n<li><strong>Cuidado con las estafas de urgencia<\/strong> \u2013 Los estafadores utilizan t\u00e1cticas de presi\u00f3n para enga\u00f1ar a los usuarios y lograr que realicen transacciones r\u00e1pidas.<\/li>\n<\/ol>\n<h2><strong>El panorama general: por qu\u00e9 algunos bancos y cooperativas de cr\u00e9dito est\u00e1n abandonando Zelle<\/strong><\/h2>\n<p>Si bien Zelle se usa ampliamente, no todas las instituciones financieras lo aceptan debido a inquietudes sobre:<\/p>\n<ol>\n<li><strong>Riesgos de fraude<\/strong> \u2013 Las transacciones instant\u00e1neas e irreversibles lo convierten en un blanco ideal para las estafas.<\/li>\n<li><strong>Cuestiones de responsabilidad<\/strong> \u2013 Si un usuario es enga\u00f1ado para enviar dinero, ni Zelle ni la instituci\u00f3n financiera pueden ser responsables del reembolso.<\/li>\n<li><strong>Control limitado<\/strong> \u2013 Los bancos m\u00e1s peque\u00f1os y las cooperativas de cr\u00e9dito tienen poca voz y voto en las pol\u00edticas de Zelle, que est\u00e1n controladas por los bancos m\u00e1s grandes.<\/li>\n<\/ol>\n<h2><strong>\u00bfQue sigue?<\/strong><\/h2>\n<p>Con la transici\u00f3n de Zelle exclusivamente a las plataformas de instituciones financieras, la preocupaci\u00f3n por la seguridad y la responsabilidad legal aumenta. Ahora m\u00e1s que nunca, los usuarios deben verificar las transacciones y mantenerse alerta ante las estafas. Si utiliza Zelle, considere explorar otras opciones de pago seguras y confiables.<\/p>\n<p>En Patriot, evaluamos continuamente nuevas tecnolog\u00edas para mejorar su experiencia de banca digital. Si bien actualmente no ofrecemos Zelle, nos comprometemos a explorar soluciones P2P seguras e innovadoras para nuestros miembros. Su seguridad y bienestar financiero son nuestras principales prioridades. Si tiene preguntas sobre soluciones de pago seguras, cont\u00e1ctenos; \u00a1estamos aqu\u00ed para ayudarle!<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<svg\n\t\tclass=\"co-disclosures--icon svg-ncua\"\n\t\tviewbox=\"0 0 110 46\"\n\t\twidth=\"110\"\n\t\theight=\"46\"\n\t>\n\t\t<title>NCUA<\/title>\n\t\t\n    <path fill=\"#022164\" d=\"M100.684 43.343v-.3a1.549 1.549 0 0 0 .172.018c.166 0 .207-.088.248-.225l.043-.131-.623-1.637h.4l.434 1.229h.006l.414-1.229h.381l-.641 1.732c-.119.3-.2.563-.582.563a1.7 1.7 0 0 1-.252-.02Zm-7.24-.492h.363c.047.207.213.238.4.238a.37.37 0 0 0 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48\"\n\t\twidth=\"46\"\n\t\theight=\"48\"\n\t>\n\t\t<title>Prestamista de casa igual<\/title>\n\t\t\n    <path fill=\"#022164\" d=\"M23.26 0 0 13.24V18h3.56v16.47h38.81V18H46v-4.63zM37.9 30.28H8.29V13.77L23.26 5l14.64 8.77z\"\/>\n    <path fill=\"#022164\" d=\"M15.3 15.99h15.48v4.06H15.3zm0 6.05h15.48v4.06H15.3zM26.45 41.9h-2.72v5.18h2.66c2.13 0 3.37-.46 3.37-2.49s-1.37-2.69-3.31-2.69zm-.13 4.1h-1.17v-3h1.3a1.59 1.59 0 0 1 1.75 1.57c0 1.2-.78 1.43-1.88 1.43zm17.38-2.46c0-1.18-.59-1.64-2-1.64h-3.77v5.18h1.43v-2.16h1.36l1.49 2.16h1.55l-1.49-2.16c.97-.13 1.43-.53 1.43-1.38zm-2.28.27h-2.07V43h2.14c.58 0 .84.07.84.4s-.19.41-.91.41zm-21.16 1.31-2.72-3.21h-1.62v5.17h1.36v-3.14L20 47.08h1.62v-5.17h-1.36v3.21zM3.99 41.91H2.56v5.17h5.12v-1.11l-3.69-.07v-3.99zm5.15 5.17h4.99v-1.11h-3.5v-1.12h2.92V43.8h-2.92v-.78h3.5v-1.11H9.14v5.17zm22.21 0 4.92-.06v-1.05h-3.49v-1.12h2.98V43.8h-2.98v-.78h3.49v-1.11h-4.92v5.17zM15.11 36H14l-1.29 4.65h.94l.35-1.07h1.16l.29 1.05h1zm-1 2.83.42-1.83.47 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equitativa<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":5689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"_searchwp_excluded":"","footnotes":""},"categories":[23],"tags":[],"class_list":["post-5688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Changes to the Zelle App: What Patriot Members Need to Know - Patriot Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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