Know the person. Confirm the request. Check the recipient before sending.
A useful tool for everyday life
Splitting dinner, sharing rent, reimbursing a family member, or paying an established service provider: person-to-person payments can make everyday money movement simpler. Zelle is designed for people and businesses you know and trust.
Trust has two parts: knowing the recipient and confirming this particular request really came from them. A familiar account or phone number can still be impersonated.
A quick check before you pay
- Confirm unexpected requests through a contact method you already know.
- Review the recipient name, phone number, email address, or tag and the amount.
- If a friend changes their payment details, verify the change directly.
- Check the payment in your banking or payment app, rather than relying on a screenshot.
- Do not send a verification code, password, or remote-access permission to someone helping with a payment.
Secure the account behind the payment
A trustworthy recipient does not replace account security. Use a unique password, enable available multi-factor authentication, lock your device, and review transaction alerts.
If something feels different or rushed, pause. A trusted person can wait while you verify.
Sources & further reading
Provider rules can change. Check current terms and contact your bank for your circumstances.