Warning: If you have a closed Capital One account with a negative balance, DO NOT USE ZELLE!! A friend of mine loaned me some money, and told me to download Zelle, and I did. Well, when she sent me the money, I got a notification from Zelle telling me I didn't need to do anything, and they had applied what she sent me towards my previous Capital One account balance.....personally i feel like that is unfair, seeing as though that money she sent me was for an emergency. Just my honest opinion.