1. Only send money to people you know and trust
Money moves fast with Zelle®. Directly from bank account to bank account within minutes1. 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.
2. 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 Bar Harbor Bank & Trust 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.
3. 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.