How to Change Your Bank Account on Zelle

Zelle is a widely used peer-to-peer payment service, allowing individuals to send and receive money quickly and directly between bank accounts. As financial situations change, users often need to update the bank account linked to their Zelle profile to ensure transactions flow to the desired account.

Accessing Your Zelle Settings

To begin the process of updating your Zelle-linked account, you must first access the Zelle settings within your financial institution’s platform. The primary method for most users is through their bank’s mobile application or online banking website. Many banks seamlessly integrate Zelle directly into their digital banking services, often found under sections like “Transfers,” “Payments,” or “Send Money.”

Once logged into your bank’s app or website, navigate to the Zelle section. From there, you will typically find an option to manage your Zelle profile or settings, which may be labeled as “Settings,” “Profile,” or sometimes represented by a gear icon. The standalone Zelle mobile application no longer supports sending or receiving money as of April 2025; functionality is now primarily available through participating bank apps, meaning account management is performed within your bank’s digital environment.

Steps to Update Your Bank Account

Once you have successfully navigated to the Zelle settings within your bank’s online platform, the process for updating your linked bank account typically involves a few distinct steps. You will usually find an option to “Change Account” or “Manage Linked Accounts” within this section. Some interfaces might require you to first unlink the currently associated account before adding a new one.

When prompted to add a new account, you will need to provide the banking details for the desired checking or savings account. This commonly includes the new account’s routing number and your specific account number. Accurately input these numbers to ensure funds are directed correctly. After entering the new account information, the system will often ask you to confirm your selection, making the newly added account the primary one for receiving Zelle payments.

Verifying and Activating the New Account

After you have submitted the details for your new bank account, Zelle often requires a verification process to confirm the account’s validity and your ownership. A common method of verification involves micro-deposits, where two small amounts, typically less than $1 each, are sent to your newly linked account. You will then need to log back into Zelle and input the exact amounts of these micro-deposits to confirm the account.

Alternatively, some verification processes may involve a one-time verification code sent to your registered email address or U.S. mobile number. You will enter this code into the Zelle interface to complete the authentication. Once verification is complete, the new account should be fully active and ready for Zelle transactions, usually within minutes for established accounts. Confirm the newly linked account is correctly displayed as your primary receiving account within your Zelle settings.