Zelle® is a great tool to send and receive money with friends, family, and those you trust quickly and easily . But, it is also easy to become a victim of fraud. Take a look at these safety tips and resources to help you enjoy Zelle® while keeping your money safe.
Zelle® should only be used with friends, family, and other people and businesses you know and trust. If you send money to someone you don't know, or you don’t get what you expected, you may not get your money back.
Like cash, Zelle® gives the recipient to instant access to the money you send. With Zelle®, money is automatically deposited into the recipients bank account and is available within minutes. Once you authorize a payment, it cannot be canceled or reversed.
Remember, if something sounds too good to be true, it probably is. If you are buying something online and the seller insists on Zelle®; an employer requests money before you are hired; a company or agency insists you pay a fine or past-due bill with Zelle®, it is likely a scam.
Again, once a payment is sent, it cannot be cancelled. Before you hit send, make sure you have the recipient's phone number and email address correct.
Stay ahead of scammers. Take a few minutes to review these common tactics used to take advantage of Zelle® users.
Investment scams can look convincing, especially when someone promises quick returns, exclusive opportunities, or guaranteed profits. Never use Zelle® to send money to someone you don’t know or to fund an investment you haven’t independently verified.
Military scams take advantage of deployments, relocation, and other information to get you to send money through fake debt collection notices, grants, charities, and more. Remember to slow down and research an organization before sending any money.
Scammers may ask you to receive money into your account and then send it somewhere else, often promising you a quick payment for your help. This can seem like a simple job or favor, but you could unknowingly be helping criminals move stolen money. Be cautious if someone asks you to use your bank account to receive, transfer, or send money on their behalf, especially if you’re promised easy money in return.
Romance scammers often spend weeks or even months building trust and creating an emotional connection before asking for money. They may claim they need help with an emergency, travel expenses, medical bills, or another unexpected situation. If someone you’ve never met in person asks you for money, take a step back. No matter how genuine the relationship feels, never let someone pressure you into sending money.
Scammers know people will pay quickly for hard-to-find tickets, especially for popular concerts, sporting events, and sold-out shows. They may create fake listings or social media profiles and ask you to send payment through Zelle®, only to disappear once they have your money. If you’re buying tickets from an individual, be cautious of deals that seem too good to be true or sellers who pressure you to pay immediately. Use trusted ticket platforms whenever possible
See how Zelle® makes it easy to send and receive money.
Learn how to get started with Zelle® with step-by-step instructions.
Get answers to common Zelle® questions.
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