Online Banking

Pay it Safe with Zelle®


Zelle® is a great way to send money to friends, family, and others you trust, right from the app. With Zelle®, money is sent from your bank account to another person’s bank account, typically arriving in minutes1.

We know getting money to friends and family quickly and safely is important, so we’ve provided some friendly reminders on how to “pay it safe” when sending money with Zelle®.

1. Use Zelle® to pay friends, family, and others you trust.

Fast and convenient, Zelle® is a great way to pay people you trust. Money is sent directly from your bank account to your recipient’s bank account and can’t be canceled if the other person is already enrolled with Zelle®. Because of this, you should only send money to people you personally know and trust.

2. Double-check your recipient’s info.

One of the key benefits of using Zelle® is the ability to send money directly to your recipient’s bank account in minutes1. That said, it’s important you enter your recipient’s U.S. mobile number or email address correctly. Always double-check your recipient’s contact info before you hit “send”!

3. Beware of public WiFi

Using the free public Wi-Fi at your favorite neighborhood coffee shop may save you some gigabytes on your data plan, but it can come with risks. If you do choose to log onto a free Wi-Fi guest network, make sure you don’t log onto any secure sites, such as your mobile or online banking sites that feature Zelle®.

4. Know when Zelle® is a good payment option and when another payment method is better.

Zelle® can be used to pay many important people in your life for so many different reasons! Use Zelle® to pay your roommate back for takeout or split the cost of necessities with a neighbor. However, if you aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), or you don’t know and trust the person you’re paying, we recommend you choose a different payment option.

Neither Zelle® nor Arkansas Federal offers a protection program for authorized payments made with Zelle®1.


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