TAMPA, Fla. (WFLA) — Zelle has announced a big change.

Its standalone app will be used for only one thing: to educate consumers about scams and fraud.

The person-to-person transfers that made Zelle popular are still available, but only if your bank belongs to the Zelle network.

If you used Zelle’s app to send or receive money, you’ll now have to use your financial institution’s mobile app or go through online banking.

Zelle said more than 2,200 banks and credit unions use their service, and only 2 percent of Zelle transactions occurred on the Zelle app.

If you already used Zelle exclusively through your bank’s website or app, you shouldn’t notice any change. As with any peer-to-peer money transfer service, only send money to people you know.

In December, the federal Consumer Financial Protection Bureau, under the Biden administration, filed a lawsuit against Zelle, JP Morgan Chase, Bank of America, and Wells Fargo, claiming consumers lost more than $870 million because fraud claims weren’t properly investigated.

Now, under the Trump administration, that lawsuit has been dropped.