If the intent is to upsell consumers to use these services much like when debit cards were new and banks wanted to get them out there, adding it to the general, initial disclosure is the way to go. That simplifies the consumer who decides they want to use it when they first want to use it and not having to wait to call and sign up during a regular business day. More than once I've had someone say "I can Zelle you..." (insert whatever service you want) and I have b trying to get that payment I hate to say no I don't use it.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell