You’re heavily limited in terms of transfers also. I need to split my rent over several payments over several days using zelle. It really sucks compared to something like SEPA
This depends entirely on the bank. Chase, for example, has a Zelle outgoing transfer limit of $2k/day and $16k/month for regular consumer accounts. There's a higher limit of $5k/day and $40k/month for their higher-end and business checking accounts. Other banks' limits are higher or lower than that.