Send Money Safely with Zelle: 3 Simple Tips

Sending money with Zelle® is as easy as handing someone cash - only faster. Because your funds typically move in minutes, a little extra caution can save you a headache (and hard-earned dollars) later. Here are three quick tips to keep your transactions on track.

1. Shoot Straight: Only Pay People You Know
Zelle moves money straight from your account to theirs - often in under a minute. That means if you send money for a product, service / favor, and you don’t actually know the person, there’s no “undo” button. Before you tap Send, double-check that you recognize both the name and the email or phone number on the screen.

2. Don’t Fall for Pressure TacticsScammers love urgency. You might get a message claiming your utilities will be shut off unless you pay up via Zelle - or an “exclusive” event ticket that never shows. If someone you don’t know insists on Zelle payment, pause. Reach out, verify their identity, or switch to a different payment method. For more scam-busting advice, visit our Security Center.

3. Treat It Like Cash - Because It Is
Once Zelle sends it, it’s gone. Always confirm that the recipient details are exactly right before you hit Send: name, phone number or email address. When in doubt, text or call your intended recipient to make sure you’ve got the right info. If you have questions about how Zelle works, check our Zelle FAQs.

Have questions or need a hand? Our team at Horizon Bank is here to help you make the most of your digital banking tools.