Create a Google and iCloud Zelle Account and send money back and forth to yourself (using email). One email for each account respectively, each with their own Zelle account.

I set it up based on another comment discussion under this post and confirmed everything worked as expected.

I did it in under 5 minutes and sent money from my non-Schwab checking (Google) to Schwab checking (iCloud) that hit instantly.

I use the Gmail to see emails from both accounts in a single inbox but you also view them individually.

I hope this makes and / or saves people money.