The availability of Zelle integration across banks sharing similar naming conventions can vary, as peer-to-peer payment network partnerships are adopted independently by individual financial institutions. While many modern banks incorporate Zelle directly into their proprietary mobile applications to facilitate instant transfers between friends and family using a mobile number or email address, customers must verify partnership support directly within their specific banking application's transfer menu or by consulting bank disclosures. If direct bank integration is absent, users can still access the service by downloading the independent Zelle mobile application.