I HAVE MADE A BREAKTHROUGH ON HOW TO GET THE APP TO WORK ON PHONES IT HAS ISSUES WITH ON ANDROID!!! SAMSUNG GALAXY S8+ USER HERE. STILL IT'S VANILLA STUFF HERE. HOLD DOWN THE PNC BANK WIDGET IN YOUR APP DRAWER. THEN SELECT ZELLE. IT WILL LAUNCH THE APP AND ASK IF YOU WANT TO REPORT. REPORT THAT THIS IS A WHOLE BUNCH OF UNNECESSARY EXCREMENT THAT NEEDS TO BE FIXED. IT'S BASICALLY A APP LAUNCH FAILURE. SOMEONE GOT HIRED AND DIDN'T KNOW WHAT THEY WERE DOING. THEN THE APP WILL MAGICALLY WORK!!!