I think it was less of the bank not trusting me and more not trusting my mother, as she had just set up her account for Zelle that day. Either way, there are not this many security gates when writing a check, and it's insulting to deny me access to send my own money as I see fit. If it was about trusting me they would not have let me send the wire (which is the same as Zelle when it comes to inability to claw back money).
> Lenders on Zelle are also now required to implement a tool that flags transfers with risky attributes, such as a payment to an account that has never transacted on the Zelle network, said Chance. He said Zelle has seen "a step-change reduction" in fraud and scam rates this year but declined to provide details.
Fidelity cash management account has free incoming and outgoing wires, no minimum balances, and ATM fee reimbursement. It's not technically a bank though, it's a brokerage account with banking features - https://www.fidelity.com/spend-save/fidelity-cash-management...
