Then at worst you're out the play money. Make sure it's set so the real money can only push into the play money account.

I briefly looked into this at one point and as best as I could tell, Chase would only let you disable ACH on business accounts.

But ACH has much more defenses against someone pulling money than Zelle and friends do.

No. Sending money with Zelle does not expose you to having your account wiped out.

Receiving money, there is a minute chance a transfer might be reversed. But that’s all. Don’t use Zelle to accept payment for goods/services.

I have no idea what you mean about the services being fragile or how your "entire bank account" would be wiped out.

This article is talking almost entirely about scams. Presumably you're smart enough not to send your whole bank account's contents to a random person who calls you.

And if you're not, well, it doesn't really matter if you're being scammed via Zelle/Venmo, or via paper check, or via wire transfer, or via ACH.

It does, though. If scammers scam via paper check, wire transfer or ACH, the full force of the government comes down on them and they actually get put in jail if they get caught. If they scam via Zelle or Venmo, too bad, so sad.

I also (so far) have been unwilling to trust Plaid. Plain old crappy wire or ACH transfers for me, thanks.

No way I'd send a large sum of a money to a stranger / new company over Venmo.

It's useful for replacing small change in your wallet, not for replacing credit card and proper purchase protections.