Pay it Safe with

Zelle Logo

Review the videos on this page to learn how to use Zelle® safely. 

Zelle® Best Practices

Only Send Money to Those You Know and Trust

Zelle® should only be used with friends, family, and other people and businesses you know and trust. 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 you don't know, or you don’t get what you expected, you may not get your money back.

Treat Zelle® Like Cash

While Zelle® and cash are certainly different, both provide the recipient with fast access to the money you send. With Zelle®, money moves directly into the enrolled recipient's bank account—typically in minutes. And again, once you authorize a payment to be sent, you can't cancel it if the recipient is already enrolled.


Confirm Your Recipient’s Contact Information

Make sure you have the correct U.S. mobile phone number or email address for the person to whom you want to send money. When in doubt, contact your friend to double check. If you authorize a payment to be sent to the wrong person, you may not get your money back.

Beware of Payment Scams

If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets or other goods at a steep discount—and insisting you pay with Zelle®—is probably a scam. Review the following Pay it Safe videos for helpful tips on how to avoid common types of payment scams.

Pay it Safe with Zelle®

Review each video to discover the tactics scammers use, and learn how to use Zelle® safely.

How to Spot Money Mule Scams

Tempted by an unsolicited offer to earn some quick cash? If someone wants to pay you to transfer money from one place to another, it may be a scam. Learn more.

How To Avoid Online Marketplace Scams

Love online shopping? Make sure those cyber deals are legit and learn how to help protect yourself from scammers.

How to Avoid Ticket Scams

Ticket scams for concerts, festivals, and sporting events are on the rise. If you’re buying tickets for an event, here’s some tips to help keep your money safe.

How To Avoid Phishing Scams

Don’t share your sensitive information with fraudsters! Learn how to protect yourself from phishing attacks.

How To Spot an Impostor Scam

Don't be fooled by impostor scams! Remember—PNC Bank will never ask you to send money to yourself, but scammers will.

How To Spot Rental Scams

Don’t fall for rental scams! If that online property listing looks too good to be true, it probably is.

How To Spot a Job Scam

Just because someone looks or sounds official, doesn't mean they are. Here’s some tips to help you avoid job scams.

How to Avoid Romance Scams

Don’t let them steal your money while they try to steal your heart. Here’s some tips to help you avoid romance scams.

How to Avoid Military Scams

If a military donation request seems suspicious—or a text, email, or phone call claiming that a loved one on a military deployment needs money immediately, it could be a scam. Here’s some tips to help you avoid military scams.

What Is Social Engineering?

What is Social Engineering? Learn how scammers use psychological manipulation to trick you into sending them money.

How to Spot Investment Scams

Is it a one-time chance for financial security or a scammer at work? Learn some ways to spot an investment scam.

What Is a Utility Scam?

Don’t fall for Utility Scams! Learn how fraudsters trick you into giving them sensitive information or sending them money with Zelle®.

How to Spot a Charity Scam

Is that online charitable campaign legitimate or a scam? Here’s some ways to help you detect a charity scam.

Explore More Zelle® Resources

Zelle® Benefits & Features

Visit to learn more about the benefits and features of using Zelle®.

Your Guide to Using Zelle®

Review for step-by-step instructions on how to use Zelle®.

Zelle® Frequently Asked Questions

Do you have questions about Zelle®? Visit our Zelle FAQs.

Zelle® for Your Business

Simplify your Business Banking needs with Zelle®. Visit