Zelle is not owned by a single bank. It is owned by Early Warning Services, LLC, which is a private fintech company jointly owned by seven large U.S. banks: Bank of America, Capital One, JPMorgan Chase, PNC Bank, Truist, U.S. Bank, and Wells Fargo. This structure means Zelle operates as a network overseen by Early Warning on behalf of its bank owners, rather than being owned by one institution alone. If you need the latest confirmation or any recent changes to ownership, I can look up current sources.