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How to Use Zelle® to Safely Send Money
Zelle® should only be used with friends, family and others you trust. Why? Because you can't cancel a payment once it's been sent, if the recipient is already enrolled with Zelle®. If you send money to someone you don't know, or you do not get what you expected, you may not get your money back.
While Zelle® and cash are certainly different, both provide the recipient with fast access to the money you send. With Zelle®, money moves directly into the enrolled recipient's bank account within minutes*. And again, once you authorize a payment to be sent, you can't cancel it if the recipient is already enrolled.
If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam. Neither Apple Bank nor Zelle® offers a protection program for authorized payments made with Zelle®, so pay it safe. Only send money to those you personally know and trust.
Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact the recipient to double check. If you authorize a payment to be sent to the wrong person, you may not get your money back.
If you don't know a person or aren't sure you’ll get what you paid for, consider other payment options. For example, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what's offered.
*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.