Venmo is a registered trademark of PayPal, Inc. Zelle is a registered trademark of Early Warning Services, LLC. Certain restrictions may apply. Recipient must have a US Bank Account. Once a recipient claims their funds, transfers are generally completed within 1 business day or less, but may take up to 3 business days. Message and data rates may apply. Mobile Banking from RCU is free, but you may incur data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges.