Do you have to be a Wells Fargo customer to use Zelle?

Do you have to be a Wells Fargo customer to use Zelle?
If you use Wells Fargo Online or the Wells Fargo Mobile app then Zelle ® is at your fingertips. Recipient is not a Wells Fargo customer? No problem. You don't need to be a Wells Fargo customer to send or receive Zelle ® payments. Your contact just needs to be enrolled with Zelle ® through their bank or the Zelle ® app.
Is there a protection program for Wells Fargo?
Neither Wells Fargo nor Zelle ® offers a protection program for authorized payments made with Zelle ®. The Request feature within Zelle ® is only available through Wells Fargo using a smartphone.
What does Zelle stand for in financial services?
“ Zelle ” refers to the Zelle Network ® operated by Early Warning Services, LLC, which facilitates the exchange of Transfer Transaction messages between financial institutions. 1. Overview of Transfer Service 1.A. The Zelle Network ® 1.A. The Zelle Network ®
What does we, us, our and Wells Fargo mean?
“We, Us, Our and Wells Fargo” means Wells Fargo Bank, N.A. and any of its affiliates or direct or indirect subsidiaries, involved in the provision of the Transfer Service. “ Zelle ” refers to the Zelle Network ® operated by Early Warning Services, LLC, which facilitates the exchange of Transfer Transaction messages between financial institutions.