Who Owns Zelle?
Updated onExplore the ownership hierarchy of Zelle. See parent companies, holding structures, and ultimate controllers.
Ownership Chain
Zelle
Zelle is an American digital peer-to-peer payments network that lets consumers send and receive money directly between U.S. bank accounts via participating banks and credit unions.
Starts at $0
Early Warning Services
Early Warning Services is a U.S.-based financial technology company that provides fraud prevention, identity verification, and real-time payment solutions, including operating the Zelle and Paze networks, for banks and other financial institutions.
Zelle
Zelle is an American digital peer-to-peer payments network that lets consumers send and receive money directly between U.S. bank accounts via participating banks and credit unions.
Starts at $0
Early Warning Services
Early Warning Services is a U.S.-based financial technology company that provides fraud prevention, identity verification, and real-time payment solutions, including operating the Zelle and Paze networks, for banks and other financial institutions.
Major Shareholders
Zelle
Major Shareholders
| Name | Type | Ownership | Voting | As of |
|---|---|---|---|---|
Early Warning Services, LLC Immediate corporate parent and operator of the Zelle peer‑to‑peer payments network; Zelle is branded and run by Early Warning on behalf of its bank owners. | Corporate | 100.0% | 100.0% | Jun 2025 |
Bank of America Corporation (via Bank of America, N.A.) One of seven large U.S. banks that co‑own Early Warning Services, and therefore an indirect owner of Zelle. Exact ownership stake in Early Warning is not publicly disclosed. | Corporate | — | — | Oct 2025 |
Capital One Financial Corporation (via Capital One, N.A.) Co‑owner of Early Warning Services and indirect owner of Zelle; specific equity percentage is not publicly disclosed. | Corporate | — | — | Oct 2025 |
JPMorgan Chase & Co. (via JPMorgan Chase Bank, N.A.) Co‑owner of Early Warning Services and indirect owner of Zelle; specific equity percentage is not publicly disclosed. | Corporate | — | — | Oct 2025 |
PNC Financial Services Group, Inc. (via PNC Bank, N.A.) Co‑owner of Early Warning Services and indirect owner of Zelle; specific equity percentage is not publicly disclosed. | Corporate | — | — | Oct 2025 |
Truist Financial Corporation (via Truist Bank, N.A.) Co‑owner of Early Warning Services and indirect owner of Zelle; specific equity percentage is not publicly disclosed. | Corporate | — | — | Oct 2025 |
U.S. Bancorp (via U.S. Bank, N.A.) Co‑owner of Early Warning Services and indirect owner of Zelle; specific equity percentage is not publicly disclosed. | Corporate | — | — | Oct 2025 |
Wells Fargo & Company (via Wells Fargo Bank, N.A.) Co‑owner of Early Warning Services and indirect owner of Zelle; specific equity percentage is not publicly disclosed. | Corporate | — | — | Oct 2025 |
Early Warning Services
Major Shareholders
| Name | Type | Ownership | As of |
|---|---|---|---|
Bank of America Corporation One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. | Corporate | — | Oct 2025 |
Capital One Financial Corporation One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. | Corporate | — | Oct 2025 |
JPMorgan Chase & Co. One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. | Corporate | — | Oct 2025 |
The PNC Financial Services Group, Inc. One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. | Corporate | — | Oct 2025 |
Truist Financial Corporation One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. Truist is the successor to BB&T, an original owner. | Corporate | — | Oct 2025 |
U.S. Bancorp One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. | Corporate | — | Oct 2025 |
Wells Fargo & Company One of seven major U.S. banks that co-own Early Warning Services; exact ownership stake is not publicly disclosed. | Corporate | — | Oct 2025 |
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