Don't use Zelle, either via the App or thru your bank. They have 100% NO FRAUD PROTECTION, and if you get scammed, it's YOUR FAULT b/c you authorized the transfer. And the banks claim they can't do anything since it's a 3rd Party app, yet it's owned by 7 Banks. The fact they are unwilling to help honest hard working people recover their money, or add additional safeguards screams negligence to me.