# Zelle银行合作名录：注册与查找指南

> 本文系统梳理Zelle支付平台合作的美国银行及信用合作社名录，帮助用户快速确认其金融机构是否支持Zelle服务，并提供注册与使用的实用指南。

## 一、Zelle平台概述

Zelle是美国领先的点对点（P2P）支付平台，由美国主要银行联合推出的网络支付服务，允许用户通过关联银行账户直接向他人转账。用户只需收款方的电子邮箱或手机号码，即可在几分钟内完成资金转移，无需交换敏感银行信息。与Venmo和Cash App等第三方支付应用相比，Zelle的最大优势在于资金直接在银行账户间流转，通常不设账户余额限制，且即时到账。

### 核心功能特点：
- 实时转账：资金通常在几分钟内到达收款方账户
- 零手续费：多数合作银行不收取交易费用
- 直接银行间转账：不经过第三方托管
- 高度安全：由合作银行提供欺诈保护和账户验证

## 二、合作金融机构名录详解

Zelle与超过1,000家美国银行和信用合作社建立了合作关系，覆盖全国性大型银行、区域性银行及地方性信用合作社。以下按字母顺序分类展示部分主要合作机构：

### A-C类主要银行

**A类银行包括**：1st Source Bank、Ally Bank、Altra Federal Credit Union、America First Credit Union、American Express National Bank、Ameris Bank、Associated Bank、Atlantic Union Bank等。其中Ally Bank作为著名的纯线上银行，自2017年起全面支持Zelle功能。

**B类银行涵盖**：BMO、Bank of America（美国银行）、Bank of Hawaii、Bank OZK、BB Americas Bank、Bell Bank、BOK Financial、Busey Bank、Byline Bank等。美国银行（Bank of America）是Zelle的创始合作银行之一，其移动银行应用内集成完整的Zelle功能。

**C类代表机构**：C&F Bank、C3bank、California Bank & Trust、Cambridge Savings Bank、Camden National Bank、Capitol One（第一资本银行）、Cathay Bank（国泰银行）、Central Pacific Bank、CFG Bank、Charles Schwab Bank、Chase Bank（大通银行）、CIBC Bank USA、Citi（花旗银行）、Citizens Bank、Comerica Bank、Commerce Bank、Community America Credit Union、ConnectOne Bank等。

**大通银行（Chase）** 作为美国最大的银行之一，其移动应用内深度集成了Zelle功能，用户可直接在Chase App中发送、接收和请求付款，每日转账限额根据账户类型有所不同（通常为2,000至5,000美元）。

**花旗银行（Citi）** 用户可以通过Citi Mobile App使用Zelle功能，支持向任何已注册Zelle的美国手机号码或邮箱快速转账。

### D-F类主要机构

**D类**：Dacotah Bank、Dedham Savings、Delta Community Credit Union、Desert Financial、DFCU Financial、Dime Community Bank、Discover Bank（作为Capital One旗下部门）、Dollar Bank等。

**E类**：E*TRADE Bank、Eagle Bank、Eastern Bank、Eastman Credit Union、Education Credit Union、Educators Credit Union、EECU、Elements Financial、Embassy Bank、Empower Federal Credit Union、Enterprise Bank & Trust、ESL Federal Credit Union、EverBank、Exchange Bank等。

**F类**：Fairfield County Bank、FAIRWINDS Credit Union、Farmers & Merchants Bank、Fifth Third Bank（五三银行）、Fidelity Bank、FineMark Bank、First Bank、First Citizens Bank、First Commonwealth Bank、First Community Bank、First Financial Bank、First Horizon Bank、First Hawaiian Bank、First Interstate Bank、First Merchants Bank、First National Bank、First Tech Federal Credit Union、First United Bank、Flagstar Bank、Flushing Bank、FNBO（First National Bank of Omaha）、Forcht Bank、Forterra Credit Union、Frost Bank、Fulton Bank等。

**Fifth Third Bank** 是美国中西部主要银行，其用户可在手机银行应用或网上银行平台直接使用Zelle服务，单笔转账限额为3,500美元，日限额为7,000美元。

### G-L类金融机构

**G类**：GE Credit Union、GECU、Generations Bank、Georgia United Credit Union、German American Bank、Gesa Credit Union、Glacier Bank、Golden 1 Credit Union（加州最大信用合作社之一）、Granite Credit Union、Greater Nevada Credit Union、Greylock Federal Credit Union、GTE Financial、Guaranty Bank、Gulf Coast Bank and Trust等。

**H类**：Hancock Whitney Bank、Hanmi Bank、Harford Bank、Hawaii State FCU、Heritage Bank、Home Bank、HomeStreet Bank、Hometown Bank、HomeTrust Bank、Horizon Bank、HSBC Bank USA（汇丰银行）、Huntington Bank（亨廷顿银行）等。

**亨廷顿银行（Huntington Bank）** 总部位于俄亥俄州哥伦布市，在中西部拥有广泛分行网络，其客户可通过Huntington Mobile App中的Zelle功能实现即时转账。

**I-L类**：Independent Bank、Indiana Members Credit Union、Industrial Bank、INTRUST Bank、Investar Bank、Ion Bank、Isabella Bank、iThink Financial Credit Union、IU Credit Union、JBT（Jersey Bank for Business）、JD Bank、Jeff Bank、Jefferson Bank、John Marshall Bank、Johnson Financial Group、Jovia Financial Credit Union、Kearny Bank、KeyBank（基银行）、Kinecta Federal Credit Union、Kitsap Credit Union、Landmark Credit Union、Langley Federal Credit Union、LCNB National Bank、Legacy Bank、Liberty Bank、Liberty Savings Bank、LGE Community Credit Union等。

**KeyBank** 作为美国大型区域银行之一，在16个州运营分行网络，支持用户通过KeyBank Mobile App中直接使用Zelle进行个人间转账。

### M-P类金融机构

**M类**：M&T Bank、M.C. Federal Credit Union、Macatawa Bank、Madison Bank、Main Street Bank、MainSource Bank、Marine Bank、Marquette Bank、Martha's Vineyard Bank、Maspeth Federal Savings、Mazuma Credit Union、McHenry Savings Bank、Mechanics Bank、MedOne Federal Credit Union、Members First Credit Union、Members Heritage Credit Union、Merchants Bank、Meridian Bank、Merrimack County Savings Bank、Metro City Bank、Metro Credit Union、Metro Health FCU、Metropolitan Bank、Miami Federal Credit Union、Mid Penn Bank、Mid-America Credit Union、MidFirst Bank、Midland States Bank、MidSouth Bank、MidWestOne Bank、Mills County State Bank、Milwaukee Federal Credit Union、Minnesota Bank & Trust、Mission Bank、Mission Federal Credit Union、Mizuho Bank（瑞穗银行）、Monmouth Community Bank、Monroe Bank & Trust、Montana Federal Credit Union、Monterey Credit Union、Morgan Stanley Private Bank（摩根士丹利私人银行）、Mountain America Credit Union、Movement Bank、Mutual of Omaha Credit Union等。

**N类**：N.J. Banking Center、National Bank of Arizona、National Cooperative Bank、National Exchange Bank & Trust、Navy Federal Credit Union（海军联邦信用合作社，美国最大信用合作社）、Needham Bank、Neighborhood Credit Union、New England Federal Credit Union、New Jersey Community Bank、New Mexico Bank & Trust、New Resource Bank、Newburyport Five Cents Savings Bank、Newport Federal Credit Union、Newtown Savings Bank、NexTier Bank、Nicolet National Bank、Ninth District FCU、North American Banking Company、North Dallas Bank & Trust、North East Community FCU、North Shore Bank、North Shore Trust and Savings、Northeast Bank、Northern Bank、Northern State Bank、Northfield Bank、Northpointe Bank、Northrim Bank、Northwest Bank、Northwest Farm Credit Services、Northwest Federal Credit Union、Northwestern Bank、Norwood Bank等。

**海军联邦信用合作社（Navy Federal Credit Union）** 是全球最大的信用合作社，服务超过1,100万会员，主要通过军方人员及其家属开放会员资格，其强大的电子银行平台全面支持Zelle服务。

**O-P类**：Oak Bank、Oak Valley Community Bank、Oakworth Capital Bank、Ocean Bank、OceanFirst Bank、Odyssey Bank、Ohio Catholic Federal Credit Union、OhioHealth Credit Union、Old Dominion National Bank、Old National Bank、Old Point National Bank、OnTap Credit Union、One Bank、One Community Bank、OneAZ Credit Union、Oneroof Federal Credit Union、ONB Bank（Old National Bank）、Orion Federal Credit Union、Orrstown Bank、Oxford Bank、Oxford Federal Credit Union、Pacific Coast Bankers' Bank、Pacific Crest Savings、Pacific Enterprise Bank、Pacific Northwest Bank、Pacific Premier Bank、Pacific River Credit Union、Pacific Service Credit Union、Pacific Union Federal Credit Union、Pacific Western Bank、Park Bank、Park National Bank、Park Sterling Bank、Parkside Credit Union、Partners Bank of New England、Partners FCU、Pathfinder Bank、Patriot Bank、PCSB Bank、Peapack-Gladstone Bank、Pella Kiwanis Credit Union、Penn Community Bank、PennyMac Loan Services、Pentagon Federal Credit Union（PenFed，五角大楼联邦信用合作社）、Peoples Bank、Peoples Bank & Trust、Peoples Community Bank、Peoples National Bank、Peoples Security Bank、Peoples State Bank、Pepco Federal Credit Union、PFF Bank & Trust、Phelps County Bank、Piedmont Advantage Credit Union、Pima Federal Credit Union、Pioneer Bank、Pioneer Credit Union、Piscataqua Savings Bank、Pike National Bank、Pike State Bank、Pilgrim Bank、Pinellas Federal Credit Union、Pinnacle Bank、Pinnacle Credit Union、Pioneer Federal Credit Union、Pivot Credit Union、Plainfield Savings Bank、Planters Bank、Platte Valley Bank、Plaza Bank、PNC Bank（PNC银行）、Point Breeze Credit Union、Points West Community Bank、Pope Insurance Group、Postal Federal Credit Union、Premier Bank、Premier America Credit Union、Premier Business Credit Union、Premium Credit Union、Presidential Bank、Primary Bank、Prime Alliance Bank、Primeway Federal Credit Union、Principal Bank、Priority One Credit Union、Processing Bank、ProBank、Profed Federal Credit Union、Profit Bank、Progress Bank、Progressive Bank、Prosperity Bank、Provident Bank、Provident Credit Union、Prudential Bank、Public Employees Credit Union、Public Service Credit Union、Pulaski Bank、Purdue Federal Credit Union等。

**PNC银行** 作为美国十大银行之一，业务范围覆盖东部和中西部多个州，其Virtual Wallet产品与Zelle深度集成，用户可轻松实现个人间转账和支付。

**五角大楼联邦信用合作社（PenFed）** 是美国第二大联邦信用合作社，拥有超过200万会员，自2018年起支持Zelle服务，会员人数因此显著增长。

### Q-S类金融机构

**Q类**：Q-Credit Union、Quail Creek Bank、Qualstar Credit Union、Quincy Credit Union、Quinstreet Bank等。

**R类**：R Bank、Rabobank（荷兰合作银行美国分部）、Randolph-Brooks Federal Credit Union（RBFCU，美国最大信用合作社之一）、Raymond James Bank、RBS Citizens（已并入Citizens Bank）、Reading Cooperative Bank、Red Canoe Credit Union、Red Crown Federal Credit Union、Red River Bank、Redwood Capital Bank、Regions Bank（地区银行）、Reliance Bank、Reliance Savings Bank、Renaissance Credit Union、Renasant Bank、Republic Bank、Residential Credit Union、Resolute Bank、Ridgewood Savings Bank、Rio Bank、River City Bank、River Valley Credit Union、Riverside Community Credit Union、Riverview Bank、Rivermark Community Credit Union、Robert Lee State Bank、Rock Canyon Bank、Rockland Trust Company、Rocky Mountain Credit Union、Rogers Bank、Round Top Bank、Royal Credit Union、Royal Savings Bank、Rush State Bank、Ruth State Bank等。

**地区银行（Regions Bank）** 总部位于阿拉巴马州伯明翰，业务覆盖美国东南部、德克萨斯州和中西部，于2017年加入Zelle网络，其手机银行应用内提供完整的Zelle体验。

**S类金融机构**：S&T Bank、Safeguard Credit Union、Sage Bank、Sallie Mae Bank、Salem Credit Union、Salin Bank and Trust Company、Sandy Spring Bank、San Diego County Credit Union（圣迭戈县信用合作社）、San Francisco Federal Credit Union、San Mateo Credit Union、Santa Cruz County Bank、Sarasota Coast Credit Union、Sawyer Savings Bank、SCE Federal Credit Union、Schuyler Savings Bank、Scott Credit Union、Scottdale Bank & Trust、Seacoast Bank、Seaside National Bank & Trust、SEFCU（Hudson Valley信用合作社，原State Employees Federal Credit Union）、Select Bank、Self-Help Credit Union、Service Credit Union、Servion Federal Credit Union、Sevier County Bank、Seymour Bank、Shafer Federal Credit Union、Shamrock Bank等。

**S类继续**：Shapiro Federal Credit Union、Shell Federal Credit Union、Shenandoah Valley Credit Union、Sierra Pacific Federal Credit Union、Sikorsky Financial Credit Union、Silvergate Bank、Simmons Bank、Skagit Bank、SkyOne Federal Credit Union、SkyPoint Federal Credit Union、SLFCU、Sloan Implement、SLP Credit Union、SmartBank、Smyth County Community Hospital FCU、SNB Bank、Solutions First FCU、Somerset Savings Bank、Sonoma Bank、Sonoma County Employees Retirement Association、South Carolina Federal Credit Union、South Coast Bank & Trust、South Georgia Banking Company、South Lafourche Bank & Trust、South Oklahoma City Bank & Trust、Southbank Financial Corporation、Southeastern Bank、Southeastern Credit Union、Southern Bank、Southern First Bank、Southern Independent Bank、Southern Michigan Bank & Trust、Southern States Bank、Southside Bank、SouthState Bank、SouthTrust Bank、Southwest Bank、Southwest Missouri Bank、Southwest National Bank、Southwest Savings Bank、Southwestern National Bank、Spaces Credit Union、Spartanburg Federal Credit Union、Spectrum Credit Union、Spencer Savings Bank、Spokane Media Federal Credit Union、Spring Bank、Spring Bank Pharmaceuticals、Spring State Bank、Springfield Credit Union、St. Clair County Credit Union、St. Landry Bank & Trust、St. Martin Bank & Trust、St. Mary's Bank、St. Tammany Credit Union、Standard Bank、Standard Chartered Bank（渣打银行）、Standish Bank、Stanley Bank、State Bank & Trust Company、State Bank Financial、State Bank of Albany、State Bank of Arcadia、State Bank of Bellingham、State Bank of Bottineau、State Bank of Cazenovia、State Bank of Ceylon、State Bank of Cold Spring、State Bank of Cross Plains、State Bank of Delano、State Bank of Downs、State Bank of Graymont、State Bank of Hamburg、State Bank of Herscher、State Bank of India（印度国家银行）、State Bank of Loretto、State Bank of Medora、State Bank of Nauvoo、State Bank of New Prague、State Bank of Odell、State Bank of Reeseville、State Bank of Richmond、State Bank of Saunemin、State Bank of Southwest Missouri、State Bank of Texas、State Bank of the Lakes、State Bank of Toulon、State Bank of Warren、State Bank of Wheaton、State Employees Credit Union of Maryland、State Farm Bank、State National Bank、Stearns Bank、Stephens Federal Bank、Sterling Bank、Sterling Bank and Trust、Sterling Federal Credit Union、Sterling National Bank、Steuben Trust Company、Stockman Bank、Stockton Bank、Story National Bank、Stratton State Bank、Summit Bank、Summit Community Bank、Summit Credit Union、Summit State Bank、Suncoast Credit Union（阳光海岸信用合作社，佛罗里达州最大信用合作社之一）、Sunflower Bank、Sunrise Banks、Sunstate Bank、SunTrust Bank（已并入Truist）、Superior Choice Credit Union、Susquehanna Bank、Sutter Health Credit Union等。

**S类重要机构**：S&T Bank、Sandy Spring Bank、Seacoast Bank、Simmons Bank、SouthState Bank、State Farm Bank、Sterling National Bank、Suncoast Credit Union等均为各自区域的重要金融机构，全面支持Zelle服务。

### T-Z类金融机构

**T类**：T Bank、Table Rock Community Bank、TAG Federal Credit Union、Tahoe Beach Club、Tahoe Riviera、Tandem Bank、Tangerine Bank、TD Bank（道明银行）、Teachers Credit Union、Teachers Federal Credit Union、Teamsters Federal Credit Union、Tech Credit Union、Tempo Bank、Tenacity Bank、Tennessee Bank & Trust、Terrabank、Texell Credit Union、Texas Bank、Texas Bank and Trust、Texas Capital Bank、Texas Champion Bank、Texas Citizens Bank、Texas Community Bank、Texas First Bank、Texas Gulf Bank、Texas Heritage Bank、Texas Hill Country Bank、Texas National Bank、Texas Regional Bank、Texas Republic Bank、Texas Security Bank、Texas State Bank、Texoma Community Credit Union、The American National Bank of Texas、The Bancorp Bank、The Bank of Delmarva、The Bank of Fayette County、The Bank of Glen Burnie、The Bank of Greene County、The Bank of Hemphill、The Bank of Holyrood、The Bank of Houston、The Bank of Jackson、The Bank of Kremlin、The Bank of LaFayette、The Bank of Magnolia、The Bank of Marion、The Bank of Monroe、The Bank of New York Mellon（纽约梅隆银行，服务财富管理客户）、The Bank of Old Monroe、The Bank of Orrick、The Bank of Perry、The Bank of Protection、The Bank of Romney、The Bank of San Jacinto、The Bank of Soperton、The Bank of Southside Virginia、The Bank of Tampa、The Bank of Tescott、The Bank of Tioga、The Bank of Vernon、The Bank of Waynesboro。

**T类继续**：The Bennington State Bank、The Benton State Bank、The Bryn Mawr Trust Company、The Cape Cod Five Cents Savings Bank、The Carlsbad National Bank、The Cattle National Bank、The Central National Bank、The Chasewood Bank、The Citizens Bank、The Citizens Bank of Edmond、The Citizens Bank of Fayette、The Citizens Bank of Logan、The Citizens Bank of Philadelphia、The Citizens Bank of Swainsboro、The Citizens National Bank、The Citizens National Bank of Meridian、The Citizens National Bank of Woodsfield、The Citizens State Bank、The City National Bank of Taylor、The Clay City Banking Co、The Cleveland State Bank、The Clinton National Bank、The Colorado Bank and Trust Company、The Commercial Bank、The Commercial Bank of Grayson、The Community Bank、The Community Bank of East Texas、The Community Bank of Mississippi、The Converse County Bank、The Conway National Bank、The Cooperative Bank、The Corner Stone Bank、The Dime Bank、The Dolores State Bank、The Eastern Colorado Bank、The Edgartown National Bank、The Egyptian Financial Corp、The Elberfeld State Bank、The Exchange Bank of Alabama、The Farmers & Merchants Bank、The Farmers & Merchants State Bank、The Farmers and Merchants National Bank of Nashville、The Farmers Bank、The Farmers Bank of Appomattox、The Farmers Bank of Liberty、The Farmers Bank of Lynchburg、The Farmers National Bank of Canfield、The Farmers National Bank of Emlenton、The Farmers National Bank of Lebanon、The Farmers Savings Bank、The Farmers State Bank of Aliceville、The Farmers State Bank of Blue Mound、The Farmers State Bank of Bucklin、The Farmers State Bank of Waupaca、The Federal Savings Bank。

**T类继续**：The Fidelity Bank、The First Bank of Baldwin、The First Bank of Celeste、The First National Bank、The First National Bank and Trust Company、The First National Bank of Ava、The First National Bank of Ballinger、The First National Bank of Bastrop、The First National Bank of Bellville、The First National Bank of Beloit、The First National Bank of Carmi、The First National Bank of Dennison、The First National Bank of Dozier、The First National Bank of Eagle Lake、The First National Bank of Edgewood、The First National Bank of Elk River、The First National Bank of Evant、The First National Bank of Fleming、The First National Bank of Fletcher、The First National Bank of Floydada、The First National Bank of Frederick、The First National Bank of Gilbert、The First National Bank of Grayson、The First National Bank of Hartford、The First National Bank of Harveyville、The First National Bank of Heavener、The First National Bank of Hooker、The First National Bank of Hugo、The First National Bank of Izard County、The First National Bank of Jeanerette、The First National Bank of Johnson City、The First National Bank of Lacon、The First National Bank of Las Animas、The First National Bank of Layton、The First National Bank of Lindsay、The First National Bank of Lipan、The First National Bank of Livingston、The First National Bank of Long Island、The First National Bank of Manchester、The First National Bank of Manning、The First National Bank of McGregor、The First National Bank of McIntosh、The First National Bank of Mertzon、The First National Bank of Milaca、The First National Bank of Monterey、The First National Bank of Moody、The First National Bank of Mount Vernon、The First National Bank of Mountain View、The First National Bank of Nashville、The First National Bank of Nevada、The First National Bank of New Mexico、The First National Bank of Nottingham、The First National Bank of Okawville、The First National Bank of Oneida、The First National Bank of Orwell、The First National Bank of Osakis、The First National Bank of Park Falls、The First National Bank of Pawnee、The First National Bank of Peterstown、The First National Bank of Picayune、The First National Bank of Pontotoc、The First National Bank of Port Aransas、The First National Bank of Primghar、The First National Bank of Quitaque、The First National Bank of Russell Springs、The First National Bank of Sandoval、The First National Bank of Santa Fe、The First National Bank of Scott City、The First National Bank of Sedan、The First National Bank of Shiner、The First National Bank of Smithville、The First National Bank of Sonora、The First National Bank of Sparta、The First National Bank of Spearville、The First National Bank of St. Ignace、The First National Bank of Stanton、The First National Bank of Stigler、The First National Bank of Suffield、The First National Bank of Sycamore、The First National Bank of Tahoka、The First National Bank of Tom Bean、The First National Bank of Trenton、The First National Bank of Tribune、The First National Bank of Trinity、The First National Bank of Waco、The First National Bank of Waterloo、The First National Bank of Winnsboro、The First National Bank of Woodsboro、The First National Bank of Wynne、The First NationalBank of Bagley、The First National Bank of Blanchardville、The First National Bank of Buhl、The First National Bank of Cambridge、The First National Bank of Carrollton、The First National Bank of Chillicothe、The First National Bank of Cokato、The First National Bank of Coleraine、The First National Bank of Coweta、The First National Bank of Cunningham、The First National Bank of Deer River、The First National Bank of Dwight、The First National Bank of Ely、The First National Bank of Fairbury、The First National Bank of Fairfax、The First National Bank of Forbes、The First National Bank of Fort Smith、The First National Bank of Fredericksburg、The First National Bank of Funk、The First National Bank of Germantown、The First National Bank of Granbury、The First National Bank of Grand Forks、The First National Bank of Grantsburg、The First National Bank of Grove、The First National Bank of Hutchinson、The First National Bank of Kemp、The First National Bank of Kinmundy、The First National Bank of Lake Park、The First National Bank of Lerna、The First National Bank of Lindsay、The First National Bank of Louisburg、The First National Bank of Manning、The First National Bank of McConnellsville、The First National Bank of McGregor、The First National Bank of McIntosh、The First National Bank of Mertzon、The First National Bank of Milaca、The First National Bank of Monterey、The First National Bank of Moody、The First National Bank of Mount Vernon、The First National Bank of Mountain View、The First National Bank of Nashville、The First National Bank of Nevada、The First National Bank of New Mexico、The First National Bank of Nottingham。

**T类重要机构**：**道明银行（TD Bank）** 是美国东海岸主要银行，主要服务于从缅因州到佛罗里达州的客户，以超长营业时间著称，其移动银行应用全面支持Zelle。**Truist Bank** 由BB&T和SunTrust合并而成，是美国第六大商业银行。

**U类**：U.S. Century Bank、U.S. Eagle Federal Credit Union、U.S. Postal Service Federal Credit Union、U.S. Senate Federal Credit Union、UCU（University Credit Union）、UFPCU、Ulster Savings Bank、UMB Bank、Umpqua Bank、Unibank、UniBank for Savings、Union Bank（已并入U.S. Bank）、Union Bank & Trust、Union Community Bank、Union County Savings Bank、Union Federal Credit Union、Union National Bank、Union Savings Bank、Union State Bank、United American Bank、United Bank、United Bank of El Paso、United Bank of Union、United Community Bank（UCBI）、United Cumberland Bank、United Federal Credit Union、United Heritage Credit Union、United Midwest Savings Bank、United National Bank、United Orient Bank、United Republic Bank、United Savings Bank、United Security Bank、United Southern Bank、United State Bank、United States Bank（美国合众银行）、United Texas Bank、Unity Bank、Unity One Credit Union、Universal Bank、University Credit Union、University Federal Credit Union、University of Iowa Community Credit Union（UICCU）、Up Community Federal Credit Union、Uptown Bank、USAA Federal Savings Bank（USAA联邦储蓄银行，主要服务军人及其家属）、USAlliance Federal Credit Union、USC Credit Union。

**合众银行（U.S. Bank）** 是美国第五大银行，由U.S. Bancorp运营，总部位于明尼苏达州明尼阿波利斯，是Zelle网络的创始银行之一。

**USAA银行** 总部位于德克萨斯州圣安东尼奥，主要服务现役及退役军人及其家属，提供全面的移动银行服务，包括Zelle。

**V类**：VACU（Virginia Credit Union）、Valley Bank、Valley National Bank、Vast Bank、Vault Bank、Vectra Bank Colorado、Ventura County Credit Union、Veridian Credit Union、Veritex Community Bank、Verity Credit Union、Vermont Federal Credit Union、Vermont State Employees Credit Union（VSECU）、Verus Bank、Vibra Bank、Victory State Bank、Village Bank、Virginia Bank、Virginia Commonwealth Bank、Virginia Community Bank、Virginia Credit Union、Virginia National Bank、Virginia Partners Bank、Vision Bank、VisionFirst Credit Union。**Valley National Bank** 是新泽西州最大的银行之一。

**W类**：Wabash Bank、Wadena State Bank、Wainwright Bank、Wakefield Cooperative Bank、Walden Federal Credit Union、Walker Bank & Trust、Walpole Co-operative Bank、Ward County Federal Credit Union、Warren Bank、Warwick Savings Bank、Washington Business Bank、Washington Federal、Washington Financial Bank、Washington Savings Bank、Washington State Bank、Washington Trust Bank、Waterford Bank、Waterman Bank、Waterstone Bank、Wauchula State Bank、Waukesha State Bank、Waverly Federal Credit Union、Waycross Bank & Trust、Wayne Bank、Wayne Savings Community Bank、Webster Bank（韦伯斯特银行）、Webster First Federal Credit Union、Welch State Bank、Wellesley Bank、Wells Fargo Bank（富国银行）、WesBanco Bank、West Alabama Bank & Trust、West Bank、West Central Bank、West Gate Bank、West Michigan Community Bank、West Plains Bank、West Pointe Bank and Trust、West Shore Bank、West Suburban Bank、West Texas National Bank、West Town Bank & Trust、West Town Savings Bank、West View Savings Bank、Westamerica Bank、Westbury Bank、Westconsin Credit Union、Western Alliance Bank、Western Bank、Western Bank of Wolf Point、Western Commerce Bank、Western Credit Union、Western National Bank、Western Nebraska Bank、Western New York FCU、Western Security Bank、Western State Bank、Westfield Bank、Westfield Bank FSB、Westmoreland Federal Savings Bank、WestStar Bank、WesTex Community Federal Credit Union、Wexford Credit Union、Wheaton Bank & Trust、Wheeler County State Bank、Whitaker Bank、White Oak State Bank、White River Credit Union、William Penn Bank、Williamsville State Bank、Wilmington Savings Fund Society（WSFS Bank）、Wilmington Trust（先锋基金相关信托服务）、Wilson & Muir Bank & Trust、Wilson Bank and Trust、Windham Community Credit Union、Windsor Federal Credit Union、Windsor Federal Savings Bank、Winona National Bank、Wintrust Community Banks（Wintrust金融旗下多个社区银行品牌，如Barrington Bank & Trust、Hinsdale Bank & Trust、Libertyville Bank & Trust、Northwest Community Bank等）、Wisconsin Bank & Trust、Wisconsin Credit Union、Wolcott Federal Credit Union、Wood & Huston Bank、Woodforest National Bank、Woodhaven National Bank、Woodlands National Bank、Woodsboro Bank、Woodsfield Savings Bank、Woodsville Guaranty Savings Bank、Woori America Bank（友利美国银行）、Workers Credit Union、World Acceptance Corporation、Worley & McCulloch、Wray State Bank、Wrentham Co-operative Bank、Wright-Patt Credit Union、WSFS Bank、Wyoming Bank & Trust、Wyoming Community Bank、Wyoming State Bank。

**富国银行（Wells Fargo）** 是美国四大银行之一，拥有最广泛的分行网络之一，其移动银行应用高度集成Zelle功能。**Wintrust Financial** 是芝加哥地区领先的社区银行控股公司，旗下拥有约15个社区银行品牌，全部支持Zelle。

**X类**：Xceed Federal Credit Union。

**Y类**：Yadkin Bank（已并入Truist）、Yellowstone Bank、York Traditions Bank、Yorkshire Bank等。

**Z类**：Zapata Federal Credit Union、Zia Credit Union、Zions Bank、Zions First National Bank等。

**Zions Bank** 总部位于犹他州盐湖城，业务覆盖犹他州和爱达荷州，是Zions Bancorporation旗下最重要的银行部门，支持Zelle服务。

## 三、如何使用Zelle

### 注册激活
- 检查银行App或网站：登录你的银行移动应用或网上银行，查找Zelle标识或选项
- 输入收款信息：注册时需提供电子邮箱或手机号码，绑定至你的银行账户
- 完成验证：银行会发送验证码至提供的联系方式，完成验证即可启用

### 转账操作
- 在银行App中打开Zelle功能，输入收款人手机号或邮箱
- 输入金额，确认无误后发送，支持实时到账

### 交易限额
不同金融机构对Zelle设有不同的转账限额，例如单笔限额、日限额和月限额，具体需要咨询你的银行。例如，多数银行单笔限额为2,000-3,500美元，日限额为5,000-10,000美元。

## 四、使用注意事项

1. **收款方需注册**：收款人必须在Zelle合作银行注册过才能收到款项，如果收款人尚未注册，通常会收到通知并引导其注册，资金将在7天内到账。
2. **仅限熟悉的个人**：Zelle如同一笔现金交易，类似于交付现金，一旦发送，通常无法撤回，因此仅向信任的朋友、家人或认识的人转账。
3. **防范诈骗**：警惕冒充银行、政府机构或其他官方身份的个人或团体索取资金，对任何声称需要加急付款的请求保持警惕。
4. **确认汇款对象**：发送前务必仔细核对收款人的手机号码或电子邮箱。
5. **银行处理政策**：具体服务项目和限制，以银行最新政策为准。

## 五、Zelle优势总结

Zelle直接集成于银行应用，用户无需下载独立应用即可使用相关功能。所支持的金融机构范围广泛，从大型全国性银行到地方性信用合作社均有覆盖，且小额转账通常即时到账，资金直接银行间流转，中间无需缓冲，具备较高安全保障。绝大多数合作银行不额外收取Zelle转账手续费。日常生活中可用于AA制分摊、租金支付、礼物馈赠等各类场景，也可用于需要向个人紧急汇款的场合，方便快捷，是美国最主流的个人间转账方式之一。