U.S. banks such as Discover Bank, Schwab, Chase, and more are blocking Zelle features for some users

Original link: https://www.blueskyxn.com/202208/6474.html

Discover Bank 发现银行、Schwab 嘉信银行、Chase 大通银行等美国银行正在封锁部分用户的Zelle功能


From the early morning to the evening of August 27, 2022, Beijing time, Discover Bank blocked a large number of Zelle functions for some users (registered Zelle after 20220301), and did not give any further information.

Previously, Discover Bank opened Zelle, I remember that it took 60 days or 90 days or half a year, and then it was cancelled. Recently, there are indeed many black companies acquiring and using this bank account.

At the same time, during the investigation, it was found that the two banks Chase and Schwab also had similar restrictive behaviors, which may have recently begun to crack down on Zelle fraud.

In the United States, Zelle is essentially equivalent to UnionPay Cloud QuickPass transfer, which is never returned, unlike ACH transfers and other methods that can be disputed (at the same time, general ACH transfers require binding first, and the WIRE and SWIFT processes are extremely cumbersome), so Like China’s telecom fraud, it is easy to be used for fraudulent activities (including incorrect goods, collecting money and running away, etc.).

If your account’s Zelle has been closed by a bank recently (maybe other banks will follow suit), don’t panic and keep your account in good shape.

Relevant details

Discover Bank

Important change to the Zelle(R) Transfer Service


Thank you for being a valued Discover® customer. You are receiving this message because you enrolled in the Zelle®transfer service on or after March 1, 2022. We are writing to let you know that access to the Zelle®transfer service is currently unavailable to you.

What this means for you

Until the service is available again, you will not be able to send or receive money with Zelle®.

If you have attempted to send or receive money with Zelle® recently, the transaction(s) may have been declined.

While Zelle® is unavailable, please take advantage of services such as Online Bill Payment and Mobile Check Deposit to move money.

We sincerely apologize for any inconvenience this may cause.

If you have any questions, please call us at 1-800-347-7000. Our 100% US-based customer service team is available 24 hours a day, 7 days a week.


Discover Bank Customer Service


Unsolved at the same time



We’ve deactivated ***** for use with Zelle® because it can’t be used to send or receive money.

We apologize for any inconvenience this may cause you. We appreciate your business.


Charles Schwab Bank, SSB


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