Between your own accounts is the main use-case because you typically can't transfer between different banks.

> you typically can't transfer between different banks

WTF? What kind of shitty banking system are you using?

Wells Fargo said to do it I had to use Zelle.

AFAIK Zelle is something US banks got together and set up on their own because the government didn't. So a Zelle transfer is the US equivalent of a SEPA transfer.

Wow. You guys really need better banking regulation.