Using Zelle® Safely: Protecting Yourself Against Fraud

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Published On:
November 10, 2023

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In the age of digital transactions, payment platforms like Zelle® have become increasingly popular for their convenience and speed. Zelle® allows users to send money to friends and family with just a few taps on their smartphone. All you need to send money is the person's email or phone number. Learn how to use Zelle® safely and protect yourself against fraud.

Use Official Apps and Websites

When using Zelle®, always ensure you are using the official Zelle® app within Mobile & Online banking. Be cautious of third-party apps or websites that claim to offer Zelle® services, as they could be fraudulent. If you are not logged into your Arbor profile do NOT trust that it is Zelle®.

Verify Recipients

Always double-check the recipient's information before sending money. Confirm their email address or phone number to ensure it's accurate. Mistakenly sending money to the wrong person can result in not getting the money back. It is important to make sure the person you are sending money to is someone you know and trust. Payments can’t be canceled if the other person is already enrolled with Zelle®.

Keep Your Device Secure

Your smartphone or computer is your gateway to Zelle®. Keep it secure by using a PIN, password, or fingerprint lock. Regularly update your device's operating system to ensure you have the latest security patches. If new updates to the Arbor App become available in your phones app store, make sure you are using the latest version.

Beware of Phishing Attempts

Be cautious of unsolicited emails, text messages, or phone calls that claim to be from Zelle® or Arbor Financial. Fraudsters often use phishing attempts to trick you into revealing sensitive information. Do not click on links or provide personal information to anyone unless you are certain of their authenticity. Remember, Arbor will NEVER ask you for your account number or passwords. When in doubt please reach out directly to us at 269.375.6702.

Monitor Your Account Regularly

Stay vigilant by frequently checking your credit union and Zelle® account statements for any unauthorized transactions. If you notice anything suspicious, report it to us and Zelle® immediately. Timely action can help prevent further fraud.

Use Dispute Resolution Services

Zelle® provides a dispute resolution process that can help you recover money if you fall victim to fraud or an unauthorized transaction. Familiarize yourself with this process and don't hesitate to use it when necessary.

Educate Yourself

Stay informed about common scams and fraud schemes targeting Zelle® users. Knowledge is your best defense against fraud. We provide resources and information on our websites security center to help you recognize and avoid scams.

Trust Your Instincts

If something feels off or too good to be true, trust your instincts. Scammers often rely on creating a sense of urgency or desperation. Take a moment to verify information and consult with a trusted source if you have doubts. If you are paying in advance for event tickets or a puppy you found online, it is best to use a different payment option. Only send money to those you know AND trust! 

Zelle® is a fast, safe, and easy way to send and receive money, but it's crucial to use it safely to protect your financial information and assets. By following these tips and staying vigilant, you can minimize the risk of falling victim to fraud and enjoy the benefits of hassle-free digital transactions with Zelle®. Remember, it's always better to be safe than sorry when it comes to your finances.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. U.S. checking or savings account required to use Zelle. Transactions between enrolled users typically occur in minutes.

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