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Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), we recommend you do not use Zelle® for these types of transactions. These transactions are potentially high risk.

Zelle® should only be used to send money to friends, family, and others you trust. Zelle® does not offer a protection program for any authorized 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. Quontic does not offer a protection program for any authorized payments made with Zelle®.