I was trying to deposit money into a family member's account at Wells Fargo today, the bank said they no longer accept cash deposits and recommended that I use Zelle, which is not an official, nor insured app for bank to bank transfers. Ref - https://www.google.com/amp/s/techcrunch.com/2018/02/16/zelle-users-are-finding-out-the-hard-way-theres-no-fraud-protection/amp/I feel somehow that banks should provide better options for online transfers. Am I wrong?