How to Use Zelle® Safely: Protect Yourself from Scams

With the convenience of digital payment platforms like Zelle® comes the responsibility to use them wisely and safely. Zelle® is a fast and easy way to send money directly from your bank account to someone else’s, but it’s important to remember that these transactions happen quickly — and often cannot be reversed. Here’s what you need to know to protect yourself from fraud when using Zelle®.

Only Send Money to People and Businesses You Trust
The most important rule when using Zelle® is to only send money to individuals or businesses you personally know and trust. Once a payment is sent, it’s typically gone for good. If you don’t know the recipient, don’t risk it.

Social Media and Zelle® Scams
Chase Bank reports that more than 50% of Zelle® scam claims originate from contacts made through social media. In response, they’ve taken proactive steps to protect customers by no longer allowing Zelle® payments identified as originating from social media contact.
If you’re ever approached on social media and asked to send money via Zelle®, stop and think: Would I trust this person or business outside of the app? If the answer is no, don’t proceed.

Know the Common Scams
Banks Will Never Ask You to Pay Them with Zelle®: If someone claiming to be from your bank asks you to transfer money using Zelle® to “fix” a problem, it’s a scam.
Impersonators May Trick You: Some scammers might claim your account is compromised and persuade you to send money to yourself or another account as a “test.” This is not a legitimate security process.
Government Agencies and Utilities Don’t Use Zelle® for Payment: No legitimate government agency, law enforcement, or utility company will ask you to send payments through Zelle®. Be especially wary of anyone claiming you must pay a fine or fee immediately to avoid legal trouble.
Protect Yourself
Double-check recipients before sending money.
Never share your Zelle® credentials with anyone.
Be cautious of urgent demands for money.
Review your bank’s policies and resources about Zelle® and fraud prevention.
Zelle® is a useful tool when used correctly, but scammers are always looking for new ways to trick people. Stay informed, stay skeptical, and use Zelle® only with trusted contacts.

For more information, visit your bank’s fraud prevention page or the official Zelle® website.