Zelle Outage Resolved, Should Users Be Worried?

An upset person with a creased brow looks at their smartphone screen.

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What happened

Zelle and Bank of America say they have fixed a technical issue that caused reports of missing funds and log-in difficulties. On the morning of Wednesday Jan. 18, users complained on social media that their transfers had disappeared and Downdetector showed a spike in outages. According to NPR, the problem had been fixed by 3 p.m. the same day.

So what

Zelle is a popular payment app that makes it quick and easy to send money to friends and family. It is free to use and integrates with many U.S. banks, including Bank of America. However, as the recent outage highlighted, these systems are not perfect. Not only has Zelle been criticized for not doing enough to prevent fraud, it’s not always easy to get answers when things go wrong.

It can be nerve wracking to find money has disappeared from your bank account, and even more so when you call to find out what’s going on and can’t get through. One user tweeted, “My Zelle transfer from Jan 17th didn’t show up on my Bank of America account. What’s going on? It was a big amount and I want to know what happened to my money.” Other customers reported similar issues. 

According to ABC News, Bank of America did put a warning on its app saying, “Transactions made between January 14 and January 17 may be delayed in occurring and…

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