<prompt> Human: So my bank has a service charge for a standard personal checking account. However, it checks if you received a direct deposit within the month. If so, the fee is waived.For the past few years, my employer has paid me through direct deposit to my checking account on a monthly basis. Therefore, Ive never had to pay the service charge for my checking account since it is always waived.This month, for some reason, my employer decides to switch over to using Zelle. So I go through all the BS of setting it up. And now my bank is telling me that if my employer is using Zelle, then it doesnt count as direct deposit. Therefore, they will charge me a service fee to my checking account if I go under a specified amount. This makes no sense since Im not getting a physical check, and going into the branch to cash my check. The money is getting deposited directly into my account. Hence, direct deposit.So Im trying to figure out what is going on. Why suddenly my bank is integrated with this Zelle. And my money being deposited directly into my account isnt direct deposit? WTF?  <response>: They specify what kind of direct deposits are eligible for the fee waiver in the terms and conditions for your account.For example, Chase says for the context of avoiding the checking account maintenance fee:Direct deposits can be an ACH credit, payroll, pension or government benefits such as Social Security.Zelle is a person-to-person payment service. 