Consumer Corner
Zelle Shuts Down Standalone App: Transitioning Users to Bank Platforms
Zelle’s standalone app ceased money transfers on April 1, 2025, requiring users to access the service via participating banks, enhancing security amid rising digital fraud.
Last Updated on April 16, 2025 by Daily News Staff
On April 1, 2025, Zelle, one of the most widely used digital payment services in the United States, officially shut down the money transferring services available on its standalone mobile app. While the service itself is not disappearing, many users will need to adapt to a new way of accessing this popular tool for peer-to-peer payments.
Why It Matters
Zelle has established itself as a key player in the peer-to-peer payment market. It facilitates instantaneous transfers without fees between bank accounts, making it a foundational tool for consumers and small businesses alike. The change primarily affects those who previously used the Zelle app independently of their bank’s app or website. Users will now need to re-enroll with one of the 2,200 participating banks or credit unions that offer Zelle via their digital banking platforms.
What Is Happening to the App?
Though the standalone Zelle app has closed its money transfer services, users will still be able to access it. The app now provides a directory of the over 2,200 banks and credit unions that support Zelle. A recent press release indicates that the app will shift its focus to consumer education, particularly around scams and fraud prevention. According to an in-app alert accessed on April 4, users can continue to log into the app until August 11, 2025.
Why Is Zelle Shutting Down the App?
Zelle announced the decision to shut down its standalone app back in October 2024, noting that a significant majority of its users already access the service through their bank’s apps or websites. Since the announcement, the company has been phasing out enrollment and transaction capabilities within the standalone app. Late last year, Zelle communicated again via in-app alerts and emails, urging users to migrate to their bank or credit union’s platform to continue using the service.
In a statement regarding the shift, Zelle highlighted its remarkable growth, reporting that consumers and small businesses moved nearly half a trillion dollars on the platform in the first half of 2024, a 28% year-over-year increase. Initially launched in 2017 primarily for users whose financial institutions had not yet joined the network, Zelle has experienced widespread adoption across almost all major banks and credit unions.
Zelle’s decision may also be motivated by security concerns. With an uptick in fraud targeting digital payment apps, directing users through regulated financial institutions may afford them additional protection and oversight.
When Did the App Shut Down?
The standalone Zelle app ceased processing transactions on April 1, 2025. Users can no longer send or receive money via the app, and those who wish to continue using Zelle must re-enroll through a compatible bank or credit union’s mobile app or website.
How Will My Payments Be Affected?
Individuals who previously used the standalone Zelle app need to take action. They can no longer send or receive money via the app and must migrate to a bank or credit union that offers Zelle. Users who do not re-enroll through a partner institution should inform their senders accordingly.
To check if a specific bank supports Zelle, visit enroll.zellepay.com. Once logged into a bank’s mobile app or website, users can usually locate Zelle in the “Payments” or “Transfers” section. The transition may require users to verify their email address or phone number associated with their former Zelle account.
Fortunately, those using Zelle through their mobile banking app will not experience any changes and do not need to take further action.
How Many People Use Zelle?
As of June 2024, Zelle boasted 143 million consumer and small business accounts, with users executing money transfers 1.7 billion times in the previous year. The integration of Zelle into nearly all major U.S. banks indicates that it will likely retain its dominance in the digital payment space, despite the changes to its standalone application.
While the shutdown of Zelle’s standalone app marks a significant transition, the underlying service remains robust and widely utilized. By directing users to bank platforms, Zelle aims to enhance security and further solidify its position in the competitive landscape of digital payments. As users adapt to this change, Zelle continues to play a vital role in simplifying and securing money transfers across the country.
Related Link:
https://www.cnn.com/2025/04/03/business/zelle-cash-transferring-app-shuts-down/index.html
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5 Ways to Make Moving Day Less Stressful
(Feature Impact) With the kids out of school, warmer weather and extended daylight, summer is an ideal time for families to relocate. In fact, more than 60% of moves in the United States occur between May and September, according to industry data compiled by moveBuddha. However, even with the most favorable conditions on your side, the process can quickly become overwhelming without a plan in place.
Whether you’re moving across town or across the country, a little preparation can make moving day easier, safer and less stressful. From packing and activating necessary services to securing your space and getting to know your family’s new surroundings, these tips from the experts at KeyMe Locksmiths can help you avoid common pitfalls and make the move as smooth as possible.
Pack Smart to Make Unpacking Less Daunting
Packing is typically one of the most time-consuming – and most dreaded – parts of any move, but creating an organization system from the get-go can save time and energy when it comes time to sort everything in your new home. Pack non-essential items such as decor, books, out-of-season clothing and seldom-used kitchenware and appliances first, even weeks in advance if lead time allows, and clearly label every box by its contents or the room it belongs in.
Be sure to keep toiletries, medications, oft-used electronics (and their chargers) and a few days’ worth of clothing accessible until moving day. Also keep important documents like birth certificates, passports, Social Security cards, medical records, insurance policies, moving contracts and receipts, and any other pertinent financial documents in a dedicated lockbox that stays with you rather than going on the moving truck.
Transfer or Set Up Utilities Ahead of Time
Arriving at your new home only to find the electricity, internet or water aren’t yet active can be a real setback. A couple weeks before moving day, schedule transfers or new service installations for necessary utilities, including electricity, water and sewer, gas, cable and internet, trash and recycling, home security and any other services your family needs, ensuring activation dates are a few days before the big move.
Tackle Home Security for Peace of Mind
An often-overlooked task when moving: changing the locks. Even if the previous owners or tenants returned their keys, it’s nearly impossible to know how many copies may still exist. Replacing or rekeying locks is an important first step to ensure you’re the only ones with access.
Beyond changing the locks, homeowners may also want to consider adding extra layers of protection such as video doorbells, exterior security cameras, motion-activated lighting, smart locks, window sensors or a monitored security system.
To connect with a professional locksmith for lock installation, rekeying and assistance with select home security upgrades, visit Key.Me to access KeyMe Locksmiths’ nationwide network of trusted local locksmiths. Once your new locks are installed, you can also conveniently create reliable spare keys at any of the more than 8,000 self-service KeyMe kiosks located in major retailers nationwide.
Prep Spaces Before Move-In Day
Before couches, chairs, beds, dressers and tables fill every room, take advantage of the empty space to give your new home a thorough cleaning. Focus on areas that may be harder to clean once the home is inhabited, such as floors, baseboards, cabinets and closets.
This is also an ideal time to paint, update flooring, swap out light fixtures or update existing cabinet hardware, allowing you to start with a clean space that matches your personal tastes.
Get to Know Your New Area
Settling into a new house involves more than just unpacking boxes and making it feel like home. Take some time to explore your new neighborhood and locate the nearest grocery stores, medical facilities, parks, restaurants, schools and more. Also introduce yourself to your neighbors and consider joining community groups to help build connections and learn more about the area.
With peak moving season underway, these tips can help you spend less time worrying about logistics and more time enjoying your new home.
Photo courtesy of Shutterstock (family moving)
SOURCE: KeyMe Locksmiths
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FOX Corporation says it has reached a definitive agreement to acquire Roku in a cash-and-stock deal valued at $160 per share, putting Roku at roughly $22 billion in enterprise value. On paper, it’s a classic “content meets platform” move: FOX brings premium live programming (sports, news, entertainment) and Tubi, while Roku brings the connected TV operating system, The Roku Channel, and a direct relationship with more than 100 million streaming households.
For STM Daily News readers, the big question isn’t the stock math—it’s the practical one: what changes for people who already own a Roku device or use Roku’s service? Here’s what the companies are saying, what’s likely, and what to watch as the deal heads toward a targeted close in the first half of 2027.
The headline: FOX wants the “front door” to streaming
Roku isn’t just a streaming stick. It’s the home screen millions of people see every day—the place where apps are discovered, promoted, and monetized. FOX is betting that pairing its live content (especially sports and news) with Roku’s platform and ad tech creates a scaled media-and-technology business with stronger reach and advertising power.
FOX and Roku also emphasized that Roku will continue operating as an “open, partner-friendly platform,”and that FOX content will remain widely distributed. That’s an important promise—because Roku’s value depends on being a neutral platform that works with everyone.
What this could mean for Roku owners (the consumer view)
1) Your Roku device should keep working—no “sudden shutdown” expected
Nothing in the announcement suggests existing Roku players or Roku TVs will stop functioning. In most acquisitions like this, the priority is stability: keep devices running, keep accounts intact, keep app availability broad. Roku’s installed base is the asset.
What to watch for: changes to software update cadence, account terms, or how the home screen is organized.
2) Expect tighter FOX + Roku integration (and more promotion)
If FOX owns Roku, it can promote FOX properties more aggressively across the Roku interface—think:
- More prominent placement for Tubi and The Roku Channel
- Faster paths to live FOX events (sports, breaking news)
- Bundled sign-ups or simplified authentication
This could be convenient for viewers who already watch FOX content. It could also feel like “more FOX everywhere” if the home screen starts prioritizing FOX-owned services.
What to watch for: whether Roku’s home screen recommendations become noticeably more FOX-heavy.
3) Advertising could get smarter—and more intense
Both companies highlighted reach, engagement, and monetization. Roku’s first-party data and ad platform are a major part of the appeal. FOX’s live sports and news are premium ad environments. Put together, the combined company will likely push for:
- More advanced ad targeting and measurement across streaming
- More ad inventory tied to live events
- Stronger cross-promotion between linear TV and streaming
What to watch for: ad load (how many ads you see), frequency (how often you see the same ad), and new ad formats.
4) The Roku Channel and Tubi could become a bigger “free TV” hub
Roku already operates The Roku Channel, and FOX owns Tubi—two major free, ad-supported streaming services (FAST). A combined strategy could mean:
- More shared content pipelines
- Expanded live channels
- A clearer “free streaming” destination inside the Roku ecosystem
What to watch for: whether the services stay distinct or begin to merge features, libraries, or branding.
5) App availability is the make-or-break issue
Roku’s strength comes from being the platform where all the major services want to be. If partners believe the platform is no longer neutral, negotiations can get tense.
FOX and Roku say they intend to keep Roku open and partner-friendly. That’s a signal to streaming services, device makers, and advertisers: “we’re not closing the ecosystem.”
What to watch for: any public disputes over app placement, revenue share, data access, or carriage terms.
What the deal terms tell us (and why it matters)
FOX says it expects the deal to be accretive to free cash flow per share by the second full year after closing and targets about $400 million in run-rate cost synergies, with additional revenue upside. Translation: there will be pressure to streamline operations and increase monetization.
FOX also plans to fund the cash portion with new debt and cash on hand, with a pro forma net leverage expectation of about 2.8x (including partial credit for synergies). That kind of financing structure typically increases the importance of predictable cash generation—often from advertising and platform economics.
Timeline: nothing changes overnight
The transaction still needs shareholder approvals and U.S. and non-U.S. regulatory approvals, and the companies expect to close in the first half of 2027. That means the Roku experience you have today is likely to remain largely the same in the near term.
Bottom line: convenience vs. control
For consumers, this deal is a tug-of-war between two outcomes:
- Convenience: easier access to FOX content, stronger free streaming options, and a more integrated experience.
- Control: more aggressive promotion, more advertising optimization, and potential shifts in platform neutrality.
If you’re a Roku owner, the best move right now is simple: keep an eye on interface changes and terms-of-service updates as the deal progresses. The “what to watch for” items above will be the early signals of whether this becomes a viewer-friendly upgrade—or a more tightly monetized streaming front door.
What to watch for next
- Regulatory review updates and any conditions attached to approval
- How FOX positions Tubi vs. The Roku Channel
- Any changes to Roku’s partner relationships (major app negotiations)
- New product announcements tied to live sports/news streaming
Source (press release):
Fox Corporation via PRNewswire — “FOX CORPORATION TO ACQUIRE ROKU, INC.” (June 15, 2026)
Related external links (as referenced in the release):
- SEC filings portal: https://www.sec.gov
- FOX Investor Relations: https://investor.foxcorporation.com/
- Roku Investor Relations: https://www.roku.com/investor
- Fox Corporation (company site): https://www.foxcorporation.com/
STM Daily News will continue tracking what this acquisition means for cord-cutters, connected TV users, and the future of streaming discovery.
Consumer Corner
65% of US homeowners say owning a home costs more than expected. Staying put is getting harder, too.
(Tiffany Miller) For years, homeownership was pitched as the finish line. Save for the down payment, buy the house and build wealth over time. According to new research from Unlock, a company that helps homeowners access the equity in their home, 75% of U.S. homeowners say they have no plan to buy or sell a home this year. That sounds like stability. But as the research reveals, it is starting to feel more like stagnation.
Owning a home turns out to cost more than people thought it would, according to the survey of 2,003 homeowners in the United States, conducted in January 2026. The research found that 65% of U.S. homeowners say it is more expensive than what they expected before they bought. The math goes past the mortgage. Nationwide, property taxes climbed 41% between 2018 and 2025, according to the Lincoln Institute of Land Policy, with home insurance, maintenance and everyday costs piling on top.
Homeowners are cutting back in places that used to be off-limits. Twenty-two percent of respondents reported putting less into retirement to keep up with the cost of owning their home. Another 33% are putting off bigger purchases, like a car. These are not inconsequential cuts. They are cuts to the financial goals owning a home is supposed to make easier in the first place, like building a nest egg, growing an emergency fund or saving for the future.
The pressure shows up in the present, too. Nearly a third of homeowners have less than $1,000 in emergency fund savings. More than half say day-to-day expenses are causing significant stress in their lives.
It is not only about cutting back or feeling stressed about day-to-day expenses. The survey found 19% of U.S. homeowners say they would rather double their commute time to work than take on another monthly payment. For homeowners already paying a mortgage, insurance, taxes and maintenance, another bill ranks below an extra hour in traffic.
Costs are only half the story. Homeowners are also sitting on real wealth, though they cannot always say how much. The survey found almost half of U.S. homeowners are not sure how much equity they have built up in their home, including 28% who say they are not sure how to find out. The average mortgaged home in the U.S. holds about $299,000 in equity, according to Cotality, a data and analytics company.
Ask homeowners how they feel about having equity in their homes and the answers do not quite line up. Sixty percent say the option to leverage home equity provides an extra level of financial security. Yet 48% say they view home equity as long-term wealth and retirement security, and would only leverage it as a last resort. They want the option there. They just do not want to use it.
The result is a kind of holding pattern. Homeowners are paying more, staying put in homes they cannot easily afford to leave and sitting on wealth they would rather not disturb. The usual options come with a catch. Selling means moving. Refinancing means giving up a low locked-in mortgage rate. According to Realtor.com, 51.5% of outstanding U.S. mortgages still carry rates at or below 4%. Taking out a home equity line of credit or home equity loan adds another monthly payment. Each option asks for something homeowners are trying to avoid. The open question is whether the standard options are still the only options. What used to look like a financial finish line is starting to look more like a treadmill.
Methodology
Unlock commissioned Atomik Research to conduct an online survey of 2,003 homeowners in the United States. The margin of error is plus or minus 2 percentage points at a 95 percent confidence level. Fieldwork was conducted from Jan. 24-30, 2026. Atomik Research, part of 4media group, is a creative market research agency.
Photo courtesy of Shutterstock
SOURCE:
Unlock
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