Only send money to people you know and trust

Money moves fast with Zelle^®. Directly from bank account to bank account within minutes*. So, it's important you know and trust the people you're sending money to.

You can't cancel a payment once it's been sent if the recipient is already enrolled with Zelle^®, so it's important to get it right the first time.

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 First 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.

Zelle^® does not offer a protection program for authorized payments made with Zelle^®.

Treat Zelle^® like cash

Money moves fast – directly into the enrolled recipient's bank account. Make sure you're sending to the right person by confirming the first name displayed is that of your recipient.