USAA Zelle Agreement: All You Need to Know

USAA is a well-known name in the financial industry, offering a wide range of products and services to its customers, including insurance, banking, and investment services. One of the popular services offered by USAA is Zelle, a mobile payment service that allows customers to send money to friends and family quickly and easily. In this article, we will take a closer look at the USAA Zelle agreement and highlight the key points you need to know.

What is Zelle?

Zelle is a mobile payment service that allows customers to send and receive money using their smartphone. The service is fast, easy, and secure, and customers can send money to anyone with a US bank account. Zelle is available through many major banks and financial institutions, including USAA.

How does Zelle work with USAA?

USAA members can access Zelle through the USAA mobile app or online banking. To send money, users need to select the recipient from their contact list or enter their email address or phone number. Once the recipient is confirmed, users can enter the amount they want to send and hit send. The recipient will receive the money instantly, provided they have also signed up for Zelle.

What are the features of the USAA Zelle agreement?

The USAA Zelle Agreement is a set of terms and conditions that govern the use of the Zelle service through USAA. Here are some of the key features of the agreement:

1. Security: USAA Zelle offers robust security features to protect customers` financial and personal information. All transactions are encrypted and monitored for fraud or unauthorized access.

2. Limitations: USAA Zelle has daily and monthly sending limits, which vary depending on the customer`s account status and transaction history.

3. Fees: USAA does not charge any fees for Zelle transactions. However, recipients may be charged a fee by their bank or financial institution.

4. Liability: USAA assumes no liability for unauthorized transactions or losses due to errors or omissions by the customer, including incorrect or incomplete recipient information.

5. Dispute resolution: In case of disputes or errors, USAA Zelle provides a process for resolving issues and filing complaints.

What are the benefits of using USAA Zelle?

Using USAA Zelle comes with many benefits, including:

1. Convenience: Zelle allows customers to send money quickly and easily without the need for checks, cash, or other payment methods.

2. Speed: Zelle transactions are processed instantly, ensuring that the recipient receives the funds immediately.

3. Security: USAA Zelle uses state-of-the-art security measures to protect users` financial and personal information.

4. Cost-effectiveness: USAA Zelle transactions are free of charge, making them a cost-effective way of sending money.


The USAA Zelle agreement is a set of terms and conditions that govern the use of Zelle through USAA. The agreement outlines the security features, limitations, fees, liability, and dispute resolution process for the service. Using USAA Zelle comes with many benefits, including convenience, speed, security, and cost-effectiveness. If you are a USAA member, consider signing up for Zelle and enjoy the benefits of fast and easy mobile payments.