Can I use Zelle with TD Bank business account

Do TD Bank‘s business account holders have access to Zelle?

If you have been wondering about this, you have come to the correct spot! Please go on until the very end of the article for the conclusive answers.

Zelle is a great option for sending money to people since it is fast, free, and secure. With the TD Bank app, you can do your banking from the convenience of your own home.

Zelle is most often used to transfer money to friends and family, divide bills, and pay for goods and services in person.

Can I use Zelle with TD Bank business account?

Short Answer: With a business checking account at TD Bank, you should be able to utilize Zelle as there are now options for both business and personal use of Zelle.

Zelle Logo

The only requirement is that users and their customer(s) have access to the Zelle network, which should not be too difficult given that most major US banks now utilize Zelle. Before proceeding, you must set up Zelle For Business via your business credit card, business checking account, and a separate email and phone number apart from your personal ones.

Why is my TD account not eligible for Zelle?

Your TD account is not eligible for Zelle because you do not have a TD account that is compatible with Zelle, your TD is not active, you have entered the wrong details, or your email address or phone number is already linked with a Zelle account through another bank account. 

1. Zelle is not compatible with your TD account.

It’s important to note up front that Zelle is only compatible with certain kinds of US bank accounts. Any of the following is required provided you possess a TD Bank account:

  • Personal checking or business checking accounts
  • Money market accounts

TD Bank does not support Zelle for savings or other accounts, thus you cannot use it to transfer money between your savings and other accounts (such as a CD).

TD Bank logo

2. You need to have an active TD account.

When your TD Bank account has been canceled for inactivity or insufficient money, you will not be able to use the Zelle services offered by TD Bank. To make ACH and Online Banking transfers, your qualifying account must be open and operational.

3. You have entered the wrong details

It’s possible you typed an invalid email address or phone number, in which case you won’t get the verification code. Verify that the information on your homepage is accurate. You may make the necessary adjustments at TD Bank.

4. Your email address or phone number is already linked with a Zelle account

Unfortunately, one Zelle account may be associated with a given email address or phone number. If you’ve already used Zelle with another bank account, you may need to close it before linking the new one.


1. How does Zelle work with TD Bank Canada?

This does not function in any way. Zelle is restricted to those who are either US citizens or permanent residents, or foreign nationals residing abroad who have access to a US bank account. If you reside in Canada and have an account with TD Bank Canada, you won’t be able to use Zelle for either sending or receiving money.

Final Words

The smartphone app Zelle is simple to use. Since it has partnered with so many financial institutions in the United States (including TD Bank), its widespread availability is a major factor in its success.

Further Reading:

Fix: Zelle Unable To Process Payment Small Business

Why Is Zelle Taking So Long To Transfer/ Receive Money

(2022) Why Is My Zelle Payment Pending [Fix Guide]

(2022) Does Cash App Work With Zelle (No, Here’s Workaround)