Best Practices For How To Send Money With Zelle®

Feb 21, 2024 Safety & Security

Sending money to friends, family, and others you trust quickly is important. Here are some tips on how to protect yourself while enjoying the convenience of Zelle®.

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Zelle® is a fast and easy way to send and receive money with people you trust – like your babysitter, coworkers, fellow PTA member, or your child’s soccer coach. Whether you just enrolled with Zelle® or have been an active user, here are a few tips you should always keep in mind to protect yourself when sending money.

Best Practices For Sending Money

Only Send Money To Those You Know & Trust

Money moves fast with Zelle®, directly from account to account within minutes,* so it’s important you know and trust the people you’re sending money to.

Why? Because you can’t cancel a payment once it’s been sent if the recipient is already enrolled with Zelle®. And if you send money to someone in advance for a product or service you don’t end up receiving, you may not get your money back.

Beware Of Payment Scams

If you receive a call from someone threatening a negative action, such as fraud on your account or utilities being shut off, and demanding immediate payment with Zelle®, take a moment, slow down, and think it through. It’s likely a scam.

Scammers often use fear and urgency to pressure people into acting on impulse rather than reason. Also, keep in mind that no one from A+FCU will ever ask you to send money with Zelle® as a test or to avoid a fraud event.

Another example of a payment scam is buying event tickets from a stranger at a price that seems too good to be true and then never receiving them. If the seller asks you to use Zelle® to purchase the tickets, you should refuse unless the seller is someone you personally know and trust.

A+FCU and Zelle® do not offer members/customers any protection for authorized payments through the Zelle® Payments Service – including coverage for non-receipt, damaged, or not-as-described claims related to the purchase of goods and/or services.

Double-Check Recipient Info

Make sure you have the correct U.S. mobile number or email address for the person you want to send money to. Scammers will exploit the ability to change contact details – always make sure the name that appears on the confirmation screen matches the intended recipient. When in doubt, contact the recipient to verify the U.S. mobile number or email address they used to enroll with Zelle® before you hit “Send”.

Remember, if a person has already enrolled with Zelle®, you can’t cancel the transaction, so it’s important you get it right the first time. If you send money to the wrong person, it’s like handing cash to a stranger.

*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.

Membership required. Adult members 19 years of age and older with an eligible checking account will be able to utilize Zelle®. Eligible checking accounts include Value Checking, Cash-Back Checking, or A+ Checking. Transaction limits apply. To transfer money from your A+FCU accounts with Zelle®, you will need to use the A+ Mobile App. Additional conditions and restrictions may apply. Subject to change without notice.

There is no fee to send or receive money via Zelle® at A+ Federal Credit Union, however there may be instances where using Zelle® may incur charges: if you send a transaction for which you have insufficient funds, non-sufficient funds (NSF) fees may apply.

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Fraud Protection

You work hard for your money. We want to help protect it by sharing tips to help recognize scams, deter fraudsters, and take appropriate action if you fall victim.

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