While the vast majority of major national banks, regional institutions, and credit unions across the United States participate directly in the Zelle peer-to-peer payment network, a small number of specialized financial institutions, niche digital wallets, or specific foreign-owned banks do not support native Zelle integration. Customers banking with institutions that lack direct Zelle partnerships can typically still access the service by downloading the standalone Zelle mobile application and linking an eligible Visa or Mastercard debit card issued by their non-participating financial institution, bypassing direct app integration limits.