quote:

Originally posted by BBMW:


To the point below, whenever I start doing Zelle transfers with a new party, I either send them a $1 test transfer, or have them do that in my direction. This way, if something is not set up right, significant money does not get hung up in transit.

quote:

Originally posted by Rey HRH:
<snip>

One IMPORTANT thing is to make sure the phone number you are sending it to is correct because it's like sending cash in an envelope or writing a check made out to cash. Whoever gets it has it.

<snip>

Good point. I'll keep this in mind next time. I just call the person and make sure the phone number is good. My thing is inputting the phone number in Zelle. But what I do is add the person to my contacts and somehow the zelle module in the bank app can access my contact list.

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

I Zelle my daughter money every month. Banks have monthly caps but those are in the 1,000s of $ I believe.

Not a fan of Paypal but I have used it to pay vendors, so no desire to use Venmo.

quote:

Originally posted by V-Tail:
I'm surprised that nobody has mentioned Online Bill Pay. Most banks and credit unions offer this as a no-charge service. You can enter the recipient in your list of payees, and then it's simple to send a "payment" to them.

If the payee is a business that accepts ACH payments, it's done by electronic transfer. Example: I can pay my electric bill at Duke Energy this way.

If the payee is not set up to receive ACH payments, the bank (or a contracted processing center) just cuts a paper check and mails it. Example: I have bought things from SIGforum members using this.

about 60-70% of our customers pay vis ACH. It's low-cost, safe, and pretty quick. Usually about 12-24 business hours. Most of the time it has zero fees for both sides.

Okay, but then you have to expose your checking account to an outside vendor. Not quite what I said. But that's still an issue for me. I don't like anyone going directly into my checking account.

quote:

Originally posted by honestlou:

quote:

Originally posted by BBMW:
... With Venmo, you have to get the money to Venmo, then use Venmo to do the transfer to the recipient. To me the first step is a waste of time for which there's no added benefit...

That is not correct. I have my Chase account linked to Venmo, and I can pay someone using Venmo and simply choose my Chase account as the source. I do NOT have to move it to Venmo first. I do not leave any funds in Venmo intentionally; if I am paid through Venmo I transfer it to my Chase account.

I have access to Zelle through Chase, but frankly it was more difficult to deal with than Venmo.

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

You lost your bet. I never downloaded any Zelle app. Below are screenshots that I just took. On the right is from inside my Chase app and you can see I have the option to send money with Zelle. on the right is a screenshot of my App Store and it shows I have yet to download either the Zelle or Venmo apps because, otherwise, it would show "open" instead of "get."

That's why I said my bank offers it because the Zelle comes packaged in my Chase app.

Zelle, through my bank app if the other party also uses it. If not, Venmo.

quote:

Originally posted by Rey HRH:

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

You lost your bet. I never downloaded any Zelle app.

But you did download the Chase app, and at some point must have given the Chase app permission to access your contacts list, as ensignmatic stated.

That's the only way that your Chase app (and therefore Zelle as part of that app) would be able to access your phone's contacts.

quote:

Originally posted by Rey HRH:

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

You lost your bet. I never downloaded any Zelle app.

I didn't claim you did. I wrote "the app." And, either the app asked for permission to access your contacts or its violating Apple's ToS. That requirement goes all the way back to at least iOS 13:

quote:

iOS 13: Here are the new security and privacy features you need to know
Zack Whittaker@zackwhittaker / 12:50 PM EDT•September 19, 2019

Another area that Apple is trying to button down is your contacts. Apps have to ask for your permission before they can access to your contacts.

Ref: iOS 13: Here are the new security and privacy features you need to know

So, again: I'd almost bet the rent you gave that app permission at some point.

quote:

Originally posted by RogueJSK:

quote:

Originally posted by Rey HRH:

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

You lost your bet. I never downloaded any Zelle app.

But you did download the Chase app, and at some point must have given the Chase app permission to access your contacts list, as ensignmatic stated.

That's the only way that your Chase app (and therefore Zelle as part of that app) would be able to access your phone's contacts.

I'm arguing the point that I didn't download the Zelle app or installed it.

I'm not saying I didn't give the Chase app permission to access my contact list and it was most likely the first time I used the Zelle portion. It's not like I thought it was accessing my contact list by "magic."

zelle if i know them.

not thru a bank, there's also a zelle app but very limited in what $$ can be sent/day.

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

You lost your bet. I never downloaded any Zelle app.

I didn't claim you did. I wrote "the app." And, either the app asked for permission to access your contacts or its violating Apple's ToS. That requirement goes all the way back to at least iOS 13:

quote:

iOS 13: Here are the new security and privacy features you need to know
Zack Whittaker@zackwhittaker / 12:50 PM EDT•September 19, 2019

Another area that Apple is trying to button down is your contacts. Apps have to ask for your permission before they can access to your contacts.

Ref: iOS 13: Here are the new security and privacy features you need to know

So, again: I'd almost bet the rent you gave that app permission at some point.

As I told Rogue, it's not like I didn't know I had to give the app permission to access my contact list.

You said, "I'd almost bet the rent the app asked for that permission when you installed it."

Even if I misunderstood you to not mean the Zelle app, I know the Chase app didn't ask for my permission to access my contact list when I installed the Chase app. That would ring bells in my head as none of my other financial apps ever did that during installation.

It's not like I'm surprised nor unaware I had to give permission for it to access my contact list which was most likely the first time I tried to use the Zelle feature.

quote:

Originally posted by Rey HRH:
I know the Chase app didn't ask for my permission to access my contact list when I installed the Chase app. That would ring bells in my head as none of my other financial apps ever did that during installation.

Then I'd report them to Apple for clearly violating Apple's iOS ToS.

I have a secondary checking account that my wife refers to as my “lunch money account” that is with Truist. It typically has between $1000 and $1500 in it and I have my Venmo account tied to it and that’s about all I use it for. Well that and I have access to a brick and mortar bank if I need to get foreign currency and other business like that.

Our main checking account is in our Fidelity brokerage account.

Certified mail. Does everyone like having transactions tracked?

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
I know the Chase app didn't ask for my permission to access my contact list when I installed the Chase app. That would ring bells in my head as none of my other financial apps ever did that during installation.

Then I'd report them to Apple for clearly violating Apple's iOS ToS.

You missed this part in my post:

quote:

It's not like I'm surprised nor unaware I had to give permission for it to access my contact list which was most likely the first time I tried to use the Zelle feature.

When I said, "But what I do is add the person to my contacts and somehow the zelle module in the bank app can access my contact list," it was a statement of fact, not a question of wondering how it does that.

I'm another living in the Apple universe. Simply texting money is just crazy easy with Apple Pay/Apple Cash Card system.

V-Tail
Did you have your questions answered? Sorry, I just saw where you had a question.
Apple Cash is the name for the service, but you pay thru a text once you have it setup. My money, either received or sent comes out of my bank account. I believe you can set it up to use a CC also.

Go to Settings—Wallet and Apple Pay—Turn on Apple Cash—Enter card info.
Send or receive funds linked to bank account or Credit Card. At first I had to wait a day or two when I received money. Now it’s available overnight when my bank does there nightly accounting.
Hope this helps. I’m no expert on this, my kids had to help me get it set up, but it’s been flawless every time I’ve used it.

Did you ever notice the pic of an apple and the word Pay under the text box on your messages? That’s how you send money to someone else who has Apple Cash. Thru an iMessage. That’s where I got confused about the name. When you receive money it goes to the Wallet/Apple Pay in your Settings. You then transfer it to whatever card or account you want. Hope this isn’t too confusing.

quote:

Originally posted by Rey HRH:

quote:

Originally posted by ensigmatic:

quote:

Originally posted by Rey HRH:
... somehow the zelle module in the bank app can access my contact list.

I'd almost bet the rent the app asked for that permission when you installed it.

You lost your bet. I never downloaded any Zelle app. Below are screenshots that I just took. On the right is from inside my Chase app and you can see I have the option to send money with Zelle. on the right is a screenshot of my App Store and it shows I have yet to download either the Zelle or Venmo apps because, otherwise, it would show "open" instead of "get."

That's why I said my bank offers it because the Zelle comes packaged in my Chase app.

Those terms and conditions concerning Zelle are baked into your use of the Chase app or Chase online systems. Chase has hundreds of lawyers making sure that such things are not overlooked.

quote:

Originally posted by AKSuperDually:

quote:

Originally posted by V-Tail:
I'm surprised that nobody has mentioned Online Bill Pay. Most banks and credit unions offer this as a no-charge service. You can enter the recipient in your list of payees, and then it's simple to send a "payment" to them.

If the payee is a business that accepts ACH payments, it's done by electronic transfer. Example: I can pay my electric bill at Duke Energy this way.

If the payee is not set up to receive ACH payments, the bank (or a contracted processing center) just cuts a paper check and mails it. Example: I have bought things from SIGforum members using this.

about 60-70% of our customers pay vis ACH. It's low-cost, safe, and pretty quick. Usually about 12-24 business hours. Most of the time it has zero fees for both sides.

I found out that they actually do not mail a check. They send a prepaid credit/debit card with a shortened use by date.