Since money is sent directly from your bank account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family, and others you trust.
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 don’t recommend using Zelle®. Neither First National nor Zelle® offers a protection program for any authorized payments made with Zelle®.