Does Woodforest Bank Use Zelle in 2024? (Alternatives)

In the present time, we come across so many different types of financial services.

For digital and physical financial services, many different companies are available, but here we will discuss the Zelle digital money transaction service.

People from all over the US know about Zelle as it is connected with all the major banks all over the US, but people who have their bank account in banks such as Woodforest Bank for, it’s hard to know or quite confusing whether Woodforest National Bank has provided access to Zelle or not.

And if not, what other features of facilities can you use as an account holder of Woodforest Bank?

So to discuss all this important information and to understand more about Woodforest National Bank, this article is here.



Does Woodforest Bank Use Zelle?

If you don’t know, Woodforest Bank is a private bank service that has its influence all over the US.

Woodforest Bank has more than 780 branches available in 17 different states.

So when a bank is this famous, then it earns a reputation from the customers.

Zelle is an online payment network that makes payment services very easy for customers, and as people use Zelle quite a lot, it is connected with big Banks like PNC Bank, Bank of America, etc.

Hence people most of the time think that Woodforest Bank might have a connection with Zelle.

But to answer your question, Woodforest Bank is unfortunately not connected with Zelle.

So if you have an account in Woodland National Bank and are considering using the Zelle online payment service, you can’t directly do that because Woodland Bank doesn’t provide those services.

But like Apple Pay or Google Pay, you can add your Woodforest National Bank debit card so that if you make a purchase, the amount is directly withdrawn from your Woodland Bank account.


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What are the Woodforest Bank Alternatives that Use Zelle?

Does Woodforest Bank Use Zelle (Alternatives)

Even though Woodforest Bank doesn’t have access to Zelle’s digital money transaction service, many other banks in the US are directly connected with Zelle.

Bank of America

At Bank of America, to use the Zelle service, you must stay under the limit of $3,500/day For individual accounts. And for small business accounts, the limit is around $15,000/day.

But when things get done annually, for individual accounts, Zelle’s limit is $20,000/month, and For small business accounts, it has to be around $60,000/month.


PNC Bank

For using the Zelle service at PNC Bank, the limit is around $1,000 per day, and for a month, It’s Up to $5,000.



At Citibank, to utilize the service of Zelle, you have to be an account holder at that Bank for more than 90 days to get a better option.

For Citibank’s Basic & Access accounts, if you are a member of the Bank for more than 90 days, then the Zelle limit is $2,000/day and $10,000/month.

If you are a Citibank account holder for less than 90 days, the limit for using Zelle is $1,000/day, and then for monthly usage, the limit is $5,000.

Citi Priority, Citigold, and Citi Private Bank accounts are also available.

For these accounts, if you are a member of this Bank for more than 90 days, then the limit is $5,000 daily, and for a monthly basis, the limit is $15,000.

If you are a Citibank member for less than 90 days, then the daily limit for that is $1000, and $5000 is a monthly limit.


Capital One

Capital One is also one of the major banking services connected with Zelle, and in that Bank, the amount of money you can transfer through Zelle is $2,500/day, and monthly, the transaction limit is $10,000.


Ally Bank

If you are using Zelle through Ally Bank, then as a daily limit of the transaction, you have around a $500 limit, and monthly, the limit is $10,000 to $30,000.


Chase Bank

Chase Bank also provides quite flexible Zelle transaction limits for account holders.

So, for the customer’s benefit, you can reach the highest limit of $2000 per day for Chase Personal Checking and Chase Liquid cards and $16,000/per month.

And if you are a private client or using Chase Business Checking accounts, in that case, your daily limit of the transaction using Zelle is $5,000, and for monthly transactions, the limit is $40,000.

So, These are a few examples of alternative banks that use Zelle so that the customers don’t have to connect with third-party digital transaction sites.


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Why does Woodforest Bank not use Zelle for Money Transfers?

Does Woodforest Bank Use Zelle (Why)

Indeed, Woodforest Bank doesn’t offer Zelle services through their Bank mostly because this Bank has a great connection with Western Union, and using Zelle can break it.

But differently, you can use Zelle digital services. For that, you have to link your Woodforest debit card to the Zelle app. Then you can directly pay for your item.


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What are the other ways you can transfer money to Woodforest Bank?

As you can’t use Zelle as a payment service from Woodforest Bank, that’s why they are many other alternative ways you can use it,

1. Use Western Union

The Woodforest Bank is connected with Western Union Financial Service Company, and because of that, you can take advantage of both physical and online money transaction systems.

And because of that, you can easily pay your bills or transfer money through your phone.

And also, it’s cost-efficient, which makes Western Union financial services even more easy and fun to use.


2. Use Bank Wire Transfers

Then you can use your Bank’s wire transfer facility; Woodforest National Bank provides both domestic and international money transfer accessibility.

Domestic wire transfers at this Bank go through the Fedwire or Clearing House Interbank Payments System.

For the wire transfer, always keep the routing number in mind, and to use the Woodforest Bank routing services, you have to pay a fee that is $10 for incoming and $20 for outgoing domestic wire transfers and $10 for incoming and $35 to $65 for outgoing international wire transfer.

So if you want, you can use the Woodforest Bank wire transfer.


3. Use ACH Transfers

Using ACH transfer instead of Zelle financial services is also an option available.

But unlike Zelle money transactions or wire transfers, ACH transfers take 3 to 4 days to process and reach the recipient’s account.

So, if you have someone to home, you must pay every month; in that case, using an ACH transfer is not a bad idea.


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