BRAD --73.103.xxx.xxx

You just have to be paying close attention and cannot mindlessly click on things. --216.182.xxx.xxx

The number one password in use is something like password123. --173.28.xx.xxx

I just had a FB friend complaining about money stolen. Said that FB told him there was a problem with his account and they needed his banking information. He gave it to them. --172.56.xxx.xxx

Now it seems I was correct with that feeling. --107.147.xx.xx

Zelle is the only one I use and accept. --172.59.xxx.xxx

This is not good news, My fathers friend discovered a 4 digit mistake just after Christmas that none of his kids can track down, he just joined Zelle before Christmas, Me too. --184.59.xxx.xx

Not sure how you "join" Zelle. I didn't download an app or join anything to use the service. Maybe some people sign up for a scam service? I'm confused. --172.59.xxx.xx

Yes there is a separate mobile app but most people use Zelle via their bank's app if available. --216.182.xxx.xxx

My email was spoofed last year and a tenant redirected his zelle payment. No more zelle unless its a one off. Even then i dont care for it. --96.233.xx.xx

Use your phone number and not your email. --172.59.xxx.xx

I use Zelle via the Chase bank app. Safer? IDK. Just a red flag if they request $$ to reverse a transaction. Been using it for like 4 yrs now... zero real issues. Biggest has been the $ per day limit (typically a 1000). I would actually prefer Zelle over Venmo. --170.203.xxx.xxx

I do not think my credit union has Zelle, but unsure as their website is wonky at times. --107.147.xx.xx

It's a start --198.168.xx.xxx

Venom and Cash App both act more like PayPal: if someone says OOPS I sent it by mistake, they can step in and grab it back from the sender. So you really have to watch the person you are sending it to - users names can be very similar. "William XYZ" might be your local lawn guy, and "William XZY" is someone in California. Choosing him is not fraud and him receiving the money is not a crime. But you are out the money. --173.28.xx.xxx

that should say "step in and grab it back from the RECEIVER" not the sender. --173.28.xx.xxx

I did refund once they Zelle but there was no cost for me to do so. The person sending the Money initiated the request And I received a request to refund, I didn't have to but I agreed and so it went back --172.59.xxx.xx

It can happen anytime though - I received some money in my self-directed IRA account from someone else's tenants. They were using ETC's online payment portal and must have put in the wrong account number - although it was two different people so I'm assuming the account owner gave THEM the wrong info. I contacted ETC and they moved the money out but they were totally confused too - I mean how do they know which account the tenants WANTED to pay if they had the wrong info? I'm assuming the account owner finally contacted them, I really don't know. --173.28.xx.xxx

Zelle is perfectly safe. The problem is people get scammed and want to get their money back. You can't reverse a Zelle transfer so people blame Zelle. --172.58.xx.xxx

Zelle vs venmo: zelle is instant in your account. Not a 3rd party who waits 2-3 days to transfer it after you initiate it. You CAN get it instant, but cost a %. As another stated, its your phone # or email, not something made up. easier to remember... --170.203.xxx.xxx

Zelle vs Venmo: I may be remembering incorrectly, but I thought Venmo was free for personal transactions, but needed a percentage (maybe 3%) for any business transaction. Zelle doesn’t take any cut, regardless of whether its business or personal. --108.52.xxx.xxx

Both sides need to have Zelle at their bank, but Venmo doesn't care? --107.147.xx.xx

Me, I like Zelle better overall. I pay a few of my contractors via Zelle. They like it. Get paid fast and no wait from the postal service (or lost check). --170.203.xxx.xxx

No both banking sides do not need Zelle. --172.59.xxx.xx

I only collect rent via clearnow, but for application fees I make it as easy as possible for people to pay me, so I pretty much use every payment app there is. Zelle is my preference. --172.56.xxx.xx

that said, a few years ago I wrote a check to someone I knew. He deposited it via his bank app. Guess what? He didn't do it correctly although the check did get deposited and cleared. Months later, a check was presented and it was fraudulent. Signature was mine but the check number, top and bottom, was the wrong font. I got my money back and it was quite a bit but it could have been a lot more. My friend has, since that day, driven to the bank and deposited every check and has never done the telephone photo deposit again. Absolutely his fault although I never did figure out what he did. --98.237.xxx.xx

I am going to set up a Zelle account and most likely a Venmo personal account. Plan to this weekend. Same kid has Venmo so should be easy enough for me to get set. --107.147.xx.xx

Zero, I created a new gmail account just for cash apps. It is never used for anything else. Ever. Easy to do. --173.28.xx.xxx

Keep this up and we will have to take you and the troop out for cocktails after the Boot Camp. --107.147.xx.xx

I liked Zelle when I had it,(because of no clawback, mainly) but after the warnings, I dropped the bank I had used it with and never opened a new one. If I DID reopen one, I'd have an account specifically for that purpose and empty it each day to a non attached account. (which I am considering) --64.184.xx.xx

I have a checking account I use just for any kind of cash app. I keep minimum in it and transfer exact amount I need to pay contractor or whomever, then transfer immediately. --173.28.xx.xxx