Is switching providers going to be a negative to the customers based on terms and costs requiring advance notice, or is it one of convenience as a Zelle user is connected to other Zelle users? I don't know if the brand loyalty here would be deemed a negative or not. Reg E (21) trumps Reg DD (30), but customer convenience may be the driving issue if there isn't a contractual requirement as Randy noted.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell