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In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. Thats it - a few swipes and taps and your moneys on its way! The Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your Zelle tag. You will be limited to one Zelle tag per bank account, and each Zelle tag must have one U.S. mobile phone number or email address associated with it. You can use your recipients phone number, email address, or Eligible Transaction Account information to send them funds. Then all you need to do is enter the amount you wish to send to them. To ensure the most secure and best overall experience on our website, we recommend the latest versions of. Fifth Third and its affiliates are not responsible for the content on third parties. After the first 90 days, the limits go up to $5000 and $40. growth in 2016, reaching one-third of Americans and totaling nearly Luckily, Zelle is supported by a whopping 947 financial institutions, so its likely that your bank supports it too. Xoom and PayPal are both great money transfer providers, but ultimately, which one is better? Accessing Zelle through Fifth Third is free and makes it easy to Most transfers of money to you from other Users will occur within minutes. The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. For security reasons, we set restriction on number of transactions and dollar limits, and they may vary by account. Answer (1 of 9): In my opinion and in my experience, with what's going on with all the transfers that are being sent the pay for bills that people make claiming for a job or for a relationship if this is true I hope so. Can I access Zelle to send or receive money without a smartphone? The use of technologies, such as cookies, constitutes a share or sale of personal information under the California Privacy Rights Act. If your bank or credit union offers Zelle, please contact them directly to learn more about their sending limits through Zelle. Zelle Transfer Limit USAA. If you want to send more than the Zelle transfer limit your bank offers, or are even looking to send money internationally, then enrolling with a cheap international transfer service - like Wise - might be a smart idea. NMLSR ID 399801, What protections do I have when I use Zelle, How much money can I send and receive with Zelle, What is the difference between the Wells Fargo Zelle, Will I receive text messages from Wells Fargo when I use Zelle. Zelle, Wells Fargo, and the American Red Cross are not liable for any failure, through no fault of theirs, to complete your transaction in the correct amount, or for any related losses. If we process a transaction in accordance with your instructions that overdraws your Account with us, we may assess a fee or charge interest for any such overdraft in accordance with the terms of the Deposit Agreements. SunTrust and BB&T both banks have merge to become Truist Bank. In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. the Fifth Third Mobile Banking app can send and receive real-time You can: Make one-time and recurring transfers; Make a transfer simply by setting up your non-Citi account by providing the account number and the ABA number. To send or receive money with a small business, both parties must be enrolled with Zelle directly through their financial institutions online or mobile banking experience. That being said, its always good to check if your bank applies any fees. Sending limits: For your security, we restrict the amount of money you can send to recipients. You are leaving a Fifth Third website and will be going to a website operated by a third party which is not affiliated with Fifth Third Bank. If your recipient did not receive your payment, make sure theyve enrolled an email address or U.S. mobile number with Zelle. For example, in order to protect you, us,Zelle, and other Network Banks, we may need additional time to verify your identity or the identity of the person receiving the money. If you use the recipient's phone number or email address, theyll be sent instructions on how to complete the payment. If, on the other hand, your bank does offer Zelle, then youll be restricted by their limit.. Transactions between enrolled users typically occur in minutes. Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Louisville, KY 40299. We contacted Fifth Third Bank, which is now seeing if there is any way to reverse the $1,000 taken from Lander's account. Receiving limits: We do not limit how much money you can receive with Zelle using your email address or U.S. mobile phone number. . Once the payment is processed, we will automatically deposit the funds into that account. To send money with Zelle, all youll need is your recipients email or phone number. In the case of any messages that you may send through either us or, Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or. In any instance where you are not subject to the Deposit Agreements or User Agreement, or the terms of the Deposit Agreements or User Agreement are deemed inapplicable, then (i) the laws of the State of Ohio, excluding its conflict of law rules, shall govern these Terms of Use, and (ii) you hereby irrevocably consent that all claims or disputes arising out of or in connection with these Terms of Use shall be heard exclusively by any of the federal or state court(s) of competent jurisdiction located in the North District of Ohio, Eastern Division, or Cuyahoga County, Ohio, USA. What do I do if my recipient never received my payment? You understand that by using the Service, you may be exposed to Content that is offensive, indecent, or objectionable. THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS, AND OTHERS WHOM YOU TRUST. Whether youre sending, receiving or requesting money with Zelle, the steps involved are similar. The American Red Cross name, emblem, and copyrighted materials are being used with its permission, which in no way constitutes an endorsement, express or implied, of any product, service, company, opinion, or political position. US Bank - $1500 or $2500 a day, depending on your account. new P2P service from Early Warning. In this article, we'll look at the most common Zelle scams & how to avoid them. Learn more in our Xoom vs PayPal comparison. Keep in mind that Zelle payments are not covered by the same protections as credit card and debit card payments. Last Updated Feb 28 . Finding your sending limit: To see how much you can send using Zelle, log in to your Online Banking account or the Regions Mobile Banking app. Xoom vs PayPal: Which one is cheaper? and meaningful features for our customers. One last tip: If your bank uses Zelle, either set it up or ask them to . Equal Housing . http://www.redcross.org/contact-us/financial-donation-inquiry, Who should I contact if I made a mistake donating money to the American Red Cross via Zelle, Sign on to Wells Fargo Online, then go to, Review the First-Time Recipient pop-up to ensure that it says donations@redcross.org and that the name begins with THE AMERICAN NATIONAL RED CROSS and select. On the flip side neither Zelle nor Popmoney can guarantee to get your money back once a transfer is completed. This chart shows a view of problem reports submitted in the past 24 hours compared to the typical volume of reports by time of day. It usually takes 1 to 2 business days for us to receive the money from the sender's bank. ago With the account number write in a deposit ticket and . Except as otherwise provided herein, or in the Deposit Agreements, neither we norZelleshall have liability to you for any transfers of money under the Service, including, without limitation (i) any failure, through no fault of our own orZelleto complete a transaction in the correct amount, or (ii) any related losses or damages. That information is used for a variety of purposes, such as to understand how visitors interact with our websites, or to serve advertisements on our websites or on other websites. Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union you use. As long as you give us timely notice within sixty (60) days after the date of the statement on which the error first appears in your Activated Account in accordance with the error resolution procedures in the Deposit Agreement or described in the EFT Disclosure Statement applicable to consumer electronic funds transfer transactions, we will reimburse you for the reasonable service charges that you have incurred due to our failure to comply with any instruction that you entered and we confirmed in accordance with these Terms of Use. Kate Anderson. Since money is sent directly from your bank account to another person's bank account within minutes 3, it's important . Finally, if your bank doesn't support Zelle, and you've signed up via the Zelle app, you can send only $500 per week. In order to receive funds transfers into your Account, that Account must be open and in good standing. Complete the process by taking the following steps: Log into your account through the Fifth Third Mobile Banking app, and select "Deposit". You can find a description of the types of tracking technologies, and your options with respect to those technologies, by clicking Learn more below. (g) If you believe that Content hosted by, posted on, or accessible through the Service uses your name, voice, signature, image or likeness, or that of your minor child, without your permission and in violation of a legally recognized right of publicity, we encourage you first to contact the user directly about your concerns. Fifth Third With ZelleSM, money can be sent by simply using the recipients mobile number or email address. Tennessee, West Virginia, Georgia and North Carolina. As of March 31, 2017, Wells Fargo - $2500 . Requests for money are solely between the sender and recipient and are not reviewed or verified by us orZelle. If you find these Terms of Use unacceptable at any time, you may discontinue your use of the Services, but these Terms of Use will survive such discontinuation with respect to activity occurring prior to such discontinuation. But current products dont allow immediate payments. Fifth Third and its affiliates are not responsible for the content on third parties. They can use the separate Zelle app to receive the money, subject to eligibility requirements and terms and conditions. president and CEO of Fifth Third Bancorp. Zelle offers the solution by giving customers 1-888-KIS2YOU. To complete this verification step, you must have either a text-enabled mobile device or an RSA SecureID device. The American Red Cross' tax identification number is 53-0196605. Zelle is a mobile payment app that simplifies the payment process and allows for peer-to-peer transfers to happen within minutes. For example, Bank of America has a daily limit of $3500 (10 transfers) and a monthly limit of $20000 (60 transfers). Zelle limits Daily sending limit 7-day sending limit 30-day sending limit; Bank of America: $3,500: $10,000: $20,000: Chase personal checking: $2,000: $14,000: $16,000: Chase Private Client: $5,000: $35,000: $40,000: Citibank Basic Account: $2,500: $15,000: $15,000: Citibank Priority Account: $5,000: $20,000: $20,000: PNC: $1,000: $5,000: $5,000: TD Bank Instant ET. Bank of America. For help regarding text messages, send HELP to 20736 or contact us at KEY2YOU (539-2968), or TDD/TTY at 800-539-8336. 1-800-539-8336. Sending money to your friends is becoming easier day-by-day. (Free to receive) Limit per day. 100% of your donation will go directly to help the American Red Cross Disaster Relief. Plus you can view total pending credit card transactions, and 24 months of statements. This means that you cant send money internationally using Zelle, as the recipient's bank account will be non-US.. This step requires us to send you a text message code. Fifth Third Bank: $810: HSBC: $500-$1,000: KeyBank: $300-$1,000: Morgan Stanley Bank: . The feature that sets Zelle apart from similar services is its impressive speed. The daily limit can depend on the type of account you have (whether its a personal or small business account) but, more importantly, it depends on the bank. We recommend you only send money to known and trusted recipients when using Zelle. If youre looking to make fast transfers, then Zelle might just be for you. (Photo 9) Let the dough fry for 30 seconds on side one. Save my name, email, and website in this browser for the next time I comment. Zelle is a fast, safe and easy way to send and receive money directly between almost any bank accounts in the U.S., typically within minutes. If your recipient has already enrolled with Zelle, the payment is sent directly to their bank account and cannot be canceled. Here's a neat overview of the limits for Popmoney vs Zelle: Popmoney. It will be up to banks as to how quickly they will remove the penalties and the limits . For more information about the American Red Cross, please visit redcross.org. The Zelle app is only available for use by consumers whose financial institution does not offer Zelle to its customers. Sending limits: For your security, we restrict the amount of money you can send to recipients. you are establishing a connection between the email address or U.S . Natural Resources & Real Estate Management. These Terms of Use supplement, modify, and incorporate by reference your deposit account agreements with KeyBank, including our Deposit Account Agreement and Funds Availability Policy, and Online Banking Service Agreement and Disclosures (collectively, the Deposit Agreements') as well as the Rules and Regulations for the KeyBank World Wide Website (the User Agreement). Please see www.fdic.gov for insurance coverage. Will recipients be notified that I sent money to them using Zelle? Find a financial advisor or wealth specialist. It should immediately float and puff. On April 24th, 2020, the Federal Reserve Board announced an interim final rule that removes this six per month limit on convenient transfers. On top of this, the app is supported by hundreds of banks., If your bank uses Zelle, then you can register for it through your mobile banking app. pay others whether dividing the cost of dinner or paying rent on an This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF WE ORZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK BANKS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00). Please check your mobile service agreement for details or applicable fees. Ever wondered if it's possible to send money to a phone number? Here are the daily limits for the most widely-used US banks that support Zelle. Once in Zelle, select Send. Here are the daily limits for the most widely-used US banks that support Zelle. We recommend that you only use Zelle to send and receive money with people you know and trust. For additional help, you can call Wells Fargo Online Customer Service at 1-800-956-4442, 24 hours a day, 7 days a week. They both offer the benefit of never holding your money in a third party location. Experian - What you need to know about Zelle, The 5 most common Zelle scams (and how to avoid them) [2023], How to send money from PayPal to Western Union? The addition of Fifth Third represents a significant milestone as Early Before you complain, try thinking about it this way: with a service like Zelle, theres no protection if you dont receive an item you paid for. ZelleSM is safer: Fifth Third customers will benefit from the convenience of real-time P2P payments and the security that banks provide their customers. Zelle, a new payment service backed by more than 30 US banks, will launch its standalone app on September 12th to take on competitors like Venmo and Square Cash. You can view the limits within the Regions Online Banking or Regions Mobile Banking app each time you initiate a transaction. Transfer Fee. You retain all rights in your Content, subject to the rights you grant to us and Zelle in these Terms of Use. Help & Contact Questions and Applications 1-888-KEY-0018. Fifth Third is a leader in innovation, and Earning Warning is pleased to work together to provide Fifth Third customers with access to faster P2P payments through ZelleSM.. Early Warning is creating the future of payments by delivering innovative payment and risk solutions to financial institutions nationwide. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Take photos of the front and back of your check with your phone. How to make an international money transfer with Oxxo? Moreover, many people use Zelle when they want to shop locally or support local businesses. All money will be transmitted by a Network Bank. Popmoney and Zelle make sending, receiving and requesting money a walk in the park. We will make funds available for money received in accordance with our standard funds availability policy, as outlined in the Deposit Agreements. All rights reserved. You will be responsible for paying any telephone company or utility charges and/or Internet access service fees incurred while using telephone lines and/or Internet access services to connect with the Service. "I trusted my bank that they have top-of-the-line security," a fifth Bank of America customer, Crystal Vaka of Antioch, California, who lost also $3,500, told . For example, Chase Bank sets the limit at $100,000 for individuals, but offers higher limits to businesses on request. Make an Appointment Sending limit per 30 days. However, because Zelle is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction, such as the ability to dispute purchase transactions. of March 31, 2017, had $323 billion in assets under care, of which it " />, Read by 100,000+ Residents and Business Owners in Los Feliz, Silver Lake, Atwater Village, Echo Park & Hollywood Hills. Editorial Note: This content is not provided by Zelle. You may request money from another User. You will immediately notify us if any email address or mobile phone number you have enrolled is either surrendered or changed by you. Overall, if youre looking to send money to a friend in a matter of minutes, without any additional fees, then Zelle is a good option. About this app. Please note that you cannot request to increase or decrease your send limit. Certain defined terms used herein are defined in other agreements referenced herein. Most users with bank-supported Zelle accounts can send up to $1,000 a day, with $5,000 a month being the limit. 1841 Blankenbaker Pkwy. Learn more in our Xoom vs PayPal comparison. Just like the daily limit, every bank has its own monthly limit. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE ORZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK BANKS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF WE ORZELLEHAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Popmoney uses the Automated Clearing House (ACH) network, among other payment networks, to process its payments.. 1-800-539-8336, Clients using a relay service: For your protection, you should only use Zelle when sending money to people you know and trust, such as friends and family. You can receive 2 payments on the go and skip the trip to the bank. The transactions tend to happen instantly and can be made by using the recipients email address, phone number, or - in the case of Popmoney - their Eligible Transaction Account information. If your bank or credit union does not yet offer Zelle, your weekly send limit is $500 in the Zelle app. We don't own or control the products, services or content found there. Regions, the Regions logo, and the LifeGreen bike are registered trademarks of Regions Bank. 2023 Early Warning Services, LLC. (Full Guide). Deposits held at Schwab bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category.International ATM Withdrawal ; $5.00 : Non-Fifth Third ATM Transaction ; $3.00 per transaction : Non-Fifth Third Cash Advance Debit Card Fee ; Greater of $5 or 3% of the transaction amount up to a maximum of $10 . If youre a Fifth Third Bank customer, you can enroll in Zelle by logging into your online banking account or the Fifth Third Mobile Banking App. In the middle of . Close Ests ingresando al nuevo sitio web de U.S. Bank en espaol. What is a wire transfer and what are Regions wire transfer routing numbers? So if you get scammed, its unlikely youll be able to get a refund. 2. See over six months of account history and account details. Bank of America - $3500 a day. 1-800-KEY2YOU(539-2968), Questions and Applications See over six months of account history and account details. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THE PROVISIONS OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE. We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive, or unwelcome by the recipient. About Fifth Third Once youve registered for Zelle, you can make your first transfer. 1. You should consult privacy disclosures at the linked website for further Remember to only use Zelle to send money to friends, family, and people you know and trust. Zelle's transfer limits vary depending on a user's participating bank. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NORZELLEMAKES ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll.Transaction limitations apply. To send money to another person: Tap Payment Center, then Select Send Money with Zelle. The Wisely Pay Mastercard is issued by Fifth Third Bank, N.A., Member FDIC or Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. operates four main businesses: Commercial Banking, Branch Banking, Here are a few examples of banks and their Zelle transfer limits. Fifth Third is a Read further for details and other important information. Once you send money with Zelle, you cannot cancel the payment if your recipient has already enrolled. You understand that by using the Service, you may be exposed to a Zelle tag that is offensive, indecent, or objectionable. Donations@redcross.org is eligible for the send function only; it cannot be used to request money. Prior results do not guarantee a similar outcome. Sep 8, 2017, 5:00 AM PDT. To stay on the safe side, Zelle emphasises that you shouldnt send money to strangers or people you dont trust. Your donation helps the Red Cross prepare for, respond to, and help people recover from nearly 64,000 disasters a year nationwide like hurricanes, wildfires, earthquakes, and countless other crises. . Chase. When sending money, users can add a short message (including (2023 review), TorFX review 2023: All that you need to know, You can send money using your recipients phone number, email address or Eligible Transaction Account information, You can send money using your recipients email address or phone number, You can accept a payment through your bank account if they offer it, or on Popmoney.com, Takes approximately one business day, but can take longer, Youll need to accept the first payment manually, and subsequent payments will automatically go into your bank account, Your funds should be available within minutes, Daily and 30 day sending and requesting limits, Limits vary depending on which bank you use, No guarantee to get your money back if scammed, Daily limits vary depending on which bank you use, Monthly limits vary depending on which bank you use, Daily requesting limit varies depending on which bank you use, Requesting limit per 30 days varies depending on which bank you use. the features they want without requiring them to leave the security of Other financial institutions may partner with Zelle and offer their own Zelle experience for their customers, subject to their own terms and conditions. From personal checking to locating your account routing number, learn more today. If you have questions, thoughts, or are simply interested in personal banking services from Fifth Third Bank, check out these popular FAQs. For a full list of participating financial institutions, visit zellepay.com/partners. also will offer the ability to use voice-enabled functions to make Zelle You can only add money from a supported United States debit card or prepaid card that's in Apple Pay. When someone sends you money, youll be notified by email or text message. SunTrust Banks, Inc. (NYSE: STI) announced today that it has officially launched Zelle, giving the bank's Consumer Online and Mobile Banking clients access to a new payments network to quickly and easily send and receive money. Branch & ATM. We may also delay or block the transfer to prevent fraud or meet our regulatory obligations. 15 or 30 Year Mortgage: Which is Right for You? Prior results do not guarantee a similar outcome. YOU AGREE THAT YOU, NOT WE ORZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU MAY HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE. If they do, you can enroll through your banks mobile banking app or website, simply by entering your phone number and email address. Available to U.S. bank account owners only. policies and security at the linked website may differ from Regions' Appointment Scheduler is provided by TimeTrade Systems. If you're a first time user, just follow the link . Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed. Sending and receiving money is what Zelle and Popmoney are all about. For example, in order to protect you, us,Zelle, and the other Network Banks, we may need orZellemay need additional time to verify your identity or the identity of the person sending the money. Scroll to the Zelle limits section to find the information that applies to your daily or 30-day limit. Wells Fargo and Company and its Affiliates do not provide tax or legal advice. Please call First Horizon Banks Customer Service toll-free at 800-382-5465 for help. We make security and the protection of your information a top priority. Postal Service or any other common carrier, tax payments, court ordered payments, or any payment request not honored by KeyBank. It does have a $5 monthly maintenance fee, though this fee can be waived if you have a Fifth Third checking account; you maintain an average monthly balance of $500 or more in your Momentum Savings account; one of the account owners is under age 18; or you're enrolled in the . The addition of Fifth Third represents a significant milestone as Early Warning continues to expand the ZelleSM Network making faster, safer payments accessible to almost anyone nationwide, said Paul Finch, chief executive officer for Early Warning. Zelle is a convenient way to send and receive money from friends, family and other people you know and trust. Revealed With Jules Asner, We may, in our sole discretion and for any reason, or no reason, decline at any time to accept or use, or continue to accept or use, any specific email address or telephone number provided to us by any person. You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in these Terms of Use, you agree to indemnify, defend, and hold harmless us,Zelle, its owners, directors, officers, agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of these Terms of Use. Fifth Third is excited to be one of the first banks to extend its In this guide, we'll explore if you can send money from PayPal to Western Union. a third-party entity. To send a request for money, tap Zelle in the bottom bar and select Request. Fifth Third Bank launches safe, fast and simple person-to-person (P2P) payments this month with Zelle. TD Bank. Fifth Third Bank To Offer Real-Time Person-to-Person Payments. only be used to service this appointment. Wise US Inc is authorized to operate in most states. See Zelles Privacy Policy at https://www.zellepay.com/privacy-policy for how it treats your data. We reserve the right to modify these Terms of Use at any time without notice.