MILLIONS of people rely on Zelle each day to shift their funds from one place to the other.
But like any other app, the US digital payments network can often experience technical glitches.
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Is Zelle not working?
Hundreds of frustrated Americans reported that they had ran into issues with Zelle on January 12, 2023.
According to Downdetector, users began experiencing difficulty on the app at around 12.57am EST.
The majority of people complained they had trouble transferring funds.
But others also reported they were unable to login, while some said they had general issues with the Zelle app.
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Nearly 300 Zelle users lodged their issues on the site, while taking to social media to discuss it too.
How can I check if Zelle is down?
If you run into issues with Zelle, the best way to check if it is down is to head directly into the source.
Users should check the banking app's official website and social media accounts for updates on any problems.
You can also check websites such as Down Detector, which will tell you whether other people are experiencing problems with a particular company online.
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Customers also often complain on Twitter and Facebook when their payment service is disrupted.
There are no official announcements from the developers of Zelle as of yet.
What is Zelle?
Zelle is a digital payments network that allows people to send money from their bank to another person electronically.
You can use the app on your mobile or the website to instantly transfer cash, even if they bank somewhere different than you do.
Zelle works alongside your existing bank account - and is available in the mobile banking apps of over 1,700 financial institutions - and does not charge any fee, unlike some competitors.
Whether it's for business purposes or simply paying your friend back for a coffee, it is a simple process.
It works by the system associating each user's bank account with an email address and mobile phone number.
This means you don't need to bother asking for sort codes and account numbers, as you can connect with the recipient through email or mobile instead.
You can send money to almost anyone you know and trust with a bank account in the US, submit a request for others to send a payment or ask to split the cost of a payment.
Once you have entered the amount to send, the receiver gets a notification describing how to easily accept the payment.
Both people must be signed up to Zelle to send and receive cash.
Who owns Zelle?
The US-based digital payments network is owned by the nation's leading financial services companies.
When first launched in 2011 while known as the clearXchange service, it was a collaboration between the Bank of America, JPMorgan Chase and Wells Fargo.
It was eventually sold to Early Warning Services in January 2016 - which is controlled by the Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo.
The industry titans rebranded the tech and released the Zelle payment system and mobile app the following year.
The banking app works alongside network partners such as MasterCard and Visa as well as processor partners such as FIS, Fiserv and Jack Henry & Associates.
