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They link is the person, and as Cthuhlu_ points out, maybe something like a common password?

None. There is no link between Paypal and Zelle.

I think he means Venmo, which is a PayPal product. Zelle is a consortium of banks.

> And what does it mean for a Zelle account to be banned for life?

Considering that Zelle is focused on traditional bank-to-bank transfers, probably something pretty sketchy to be banned.