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Comment by suzzer99

15 hours ago

If my bank money gets stolen from me via fraud (unless I literally just Zelle the scammer), I get it back. That's the big difference.

Zelle is ultimately a bank transfer. Yes they say to consider them like sending cash, but a bank transaction is at least tracable to a real account owner, who could then be pursued in the case of fraud, and it well might be reversible if push came to shove or if there is documented fraud.