Are there any differences in the experience between using Zelle with my personal bank account versus my small business account?

Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers already enrolled with Zelle® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app.