If you prefer to use zelle, we like it too! Zelle is very convenient for both of us and now you can set up zelle to do recurring payments. The main thing to remember when setting up your schedule is that the app runs on 30 days, not monthly. If you are going to use Zelle, just text me that you are and I will give you the info to set it up. As with any manual payment though please do not put any notes in the memo or note area. This is optional and we strongly urge you to leave it blank.