How to Spot and Avoid Zelle Scams

Sending money digitally is easier than ever with services like Zelle^®. But convenience comes with risk—scammers are using Zelle^® to steal money fast. Because Zelle^® transfers are hard to trace and nearly impossible to reverse, it’s crucial to know the warning signs.

Only use Zelle^® to send money to people you know and trust—friends, family, or your babysitter. Avoid sending money to strangers, online sellers, or bidding sites. Scammers often use clever tactics to trick users, so staying informed is your best defense.

6 Common Zelle Scams

1. Fake Sellers
   Scammers pose as sellers on online marketplaces, request Zelle^® payments, then disappear. Common examples: “puppy scams,” fake concert tickets, or digital goods.
2. Phishing & Impersonation
   Fraudsters impersonate Zelle^® or your bank via email, text, or calls. They claim your account is compromised or a transaction is pending and ask for login details or payments.
3. Overpayment Scams
   A scammer “accidentally” sends you money, then asks for a refund via Zelle^®. Their initial payment is fake, leaving you out of pocket.
4. Job Scams 
   Fake job listings require upfront fees or personal info via Zelle^®. Often advertised as “work-from-home” roles.
5. Rental Scams
   Fraudsters pose as landlords, request deposits via Zelle^®, and vanish. Properties are usually fake or unavailable.
6. Prize & Charity Scams 
   You’re told you’ve won a prize or asked to donate. Both are tricks to get you to send money.

Protect Yourself

• Trust your instincts—if something feels off, pause.
• Never click suspicious links or share login info.
• Use Meriwest's security features like mobile alerts.
• Remember: Meriwest Credit Union will never ask you to send money via Zelle^®.

If you suspect fraud, contact us immediately. Staying alert is the best way to keep your money safe.

The Bottom Line

Only use Zelle^® to send money to people you know and trust—friends, or family. Avoid sending money to strangers, online sellers, or bidding sites. Scammers often use clever tactics to trick users, so staying informed is your best defense.