I am 99.9% sure there are no fees if you do "friends and family"
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I went through my bank website, not the banking app, just because I was already on my laptop.
Login, go to the account.
Send money with Zelle
Email or phone number of the recipient
Enter amount
Confirm correct email or phone number
Send money button
Confirmation page with confirmation code
The first time I used Zelle it did ask for a confirmation code that was texted to my phone.
I think @cwilli26 is right, it varies a little bit. I was never asked to check business or individual.
Paypal...DG...that is us, haha.
It stands for Dahlia Guy. We grew Dahlias in 2009 and 2010 and had paypal set up to sell tubers. Do you think I can get the name off? No. I had a personal account that moved to business for the dahlias, and I cannot figure how to get back to a personal account. It has been over 10 years and hasn't seemed like a problem, so no harm no foul.
All this makes me appreciate my Capital One account. Their online banking has the best interface I have ever used or seen for online banking.