What skeeves me out about zelle is there is no fraud protection unlike most other payment methods in the USA. So I'm going to continue to use venmo, credit cards, etc:
https://techcrunch.com/2018/02/16/zelle-users-are-finding-ou...
https://techcrunch.com/2018/02/16/zelle-users-are-finding-ou...
Just like PayPal before it, it's not a bank and doesn't have to follow any of the rules.
How it's legal to operate in such a fashion is beyond my ability to understand, but that's my understanding of the situation.