Most banks in the United States can use Zelle, a payment service that was designed to make transferring money to people quicker and easier, even if they operate bank accounts from other banks. While it’s an excellent payment system, it has a big flaw: its adoption.
While we like to pretend like Zelle is the future, we still can’t shy away from the fact that a huge percentage of US banks still don’t have Zelle. If the feature is so important to your banking, you may want to confirm if your bank has Zelle even before creating an account.
In this article, I’ll answer the question: does IBC have Zelle? Also, you’ll learn the workarounds to use Zelle with the bank if there’s no integration with Zelle and IBC. Without further ado, let’s get into the article.
How Does Zelle Work?
Before going on to answer the main question of the article, it’s crucial to learn exactly how Zelle works to avoid getting the wrong idea. Most people think banks’ support for Zelle is black and white; you either get it or you don’t, and nothing could be more wrong, as this section will prove.
To start, Zelle is a payment service created and owned by some top banks in the United States. It facilitates quick and easy payments across users of the service, a feature that rivals top payment apps like PayPal, Cash App, and Venmo.
Contrary to what it seems like, a bank can use Zelle even without being part of the founding banks. As long as the bank is officially a partner of payment service, customers can sign up to send and receive money on Zelle without any issues.
However, not all banks are or can be partners of the Zelle payment system. There are a fair bit of banks that do not support the service, making it impossible to sign up through them. While that isn’t good quality, it isn’t enough reason to boycott a bank completely.
You can use Zelle with unsupported banks, only that you’ll be subject to a lot more limits than the regular user. The following section will show you if IBC Bank has Zelle and explain a workaround you can use to get around the limitation if it appears to lack the service.
Does IBC Have Zelle?
From the preceding section, you already know that not all US banks can access the Zelle payment service. Among banks in the United States, IBC is a pretty popular name, so, they should undoubtedly be able to access Zelle, right?
Well, it’s wrong. At the moment, IBC is one of the (very few) banks that do not have the Zelle payment service by default. In short, you can’t transfer money to other Zelle users from inside your IBC Bank app using money from your bank account if you hold an account with the bank.
Given how many features you can potentially access if only you could access Zelle using IBC, I’d say this is a rather rude awakening. However, it’s not the end of the world, and you may be able to do just fine by accessing Zelle using a workaround for users without supported banks.
Before going to the extremes to consider a workaround, you should try to negotiate the possibility of alternative payment services with your friends or business associates. Many similar services will let you send and receive money easily; you can even drive a few minutes to the nearest bank, where it’s almost certain that you’ll be able to access Zelle.
If those aren’t feasible options for you, no problem; the following section will take a look at the workaround to try if your bank doesn’t support Zelle natively, like the IBC Bank for example.
How to Use IBC with Zelle (a Workaround)
At this point, it’s already clear that IBC Bank doesn’t support Zelle by default. I’ll recommend trying another bank if the availability of Zelle is a deal breaker for you, as there’s no way to get anything near the usability of a bank with native integration of the feature.
If the service is just a nice add-on for you, there are ways to get access to the service without actually signing up using a bank account. You can also add your IBC debit card after the fact for even better integration between the service and your bank account.
If that sounds like a sweet deal, here’s the full workaround required to use IBC with Zelle properly.
- Sign up to Zelle without a bank account
Unlike banks that have a native integration with Zelle, you cannot sign up from your IBC Bank app. However, you’ll notice that the Zelle service has an app on the app stores of the top mobile operating systems, and that makes it possible to access the service, even with an unsupported bank.
To get started, you can download the Zelle app from the Google Play Store or the App Store, depending on what kind of device you’re using. After downloading the app, proceed to the signup page and set up an account for Zelle without a bank account.
If you notice, the first step for creating an account is selecting and linking your bank to the app. However, since IBC isn’t available with Zelle, you’ll need to type the name of the bank into the search box and select the option to continue anyway without a bank.
After specifying that you don’t have a bank account, you can continue with the signup process. Note that you’ll have to submit a healthy deal of information about yourself since you don’t have a supported bank account which Zelle can pull any information from.
- Add your Zelle debit card as a payment source
After signing up to Zelle, you should be able to receive and send money, albeit with very restricting limits. In addition to the limits, sending money will remain impossible if you don’t have a way to fund your account in the first place, which is why Zelle lets you add a payment source.
When you’re done with the account creation process, you should see a cards section that should let you add a debit card from your bank. Grab your IBC Bank credit card and head over to the Zelle app. Add the card to your account, and voila: you’ve created a Zelle account that can use funds from your IBC Bank account.
While IBC doesn’t have Zelle, that doesn’t necessarily mean you cannot use IBC with Zelle. This article doesn’t only explain the association of IBC (or lack thereof) with Zelle, but it also shows you how to use both platforms together, although they’re not compatible by default.