Only send money to those you trust

Zelle® should only be used with friends, family and others you 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 do not get what you expected, you may not get your money back.

Treat Zelle® like cash

If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam.

Zelle® does not offer purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected.

Beware of payment scams

If you send money to someone you don't know for a product or service you might not receive (like paying for something in advance), you may not get your money back. Neither Camden National Bank nor Zelle® offers a protection program for authorized payments made with Zelle®. So, if you aren't sure you will get what you paid for, you should use another payment method with purchase protection, such as a credit card.

Confirm your recipient's contact information

Make sure you have the correct U.S. mobile number or email address for the person you want to send money to. 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.

Understand your payment options

If you don't know a person or aren't sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what's offered.