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by NoZebra120vClip 875 days ago
Sending SMS costs $$$, and the gateways are closely-guarded. There are bad actors hammering on logins to elicit SMS codes, and Zelle is charged for the service according to that volume.
1 comments

There’s no separate Zelle login, and Wells Fargo proper hasn’t banned my phone number, so this explanation makes no sense whatsoever.
Zelle is a separate company that likely operates its SMS sending system separately from Wells Fargo.