How to Send Money with Zelle® Safely

Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, your fellow PTA mom, your son’s soccer coach, or your coworker. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money.

  • Only send money to people you know and trust

Money moves fast with Zelle®, directly from checking account to checking account within minutes*. So, it’s important you know and trust the people you’re sending money to.

Why? Because you can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And if you send money to someone you don’t know for a product or service you might not receive (like paying for something in advance), you may not get your money back. Keep in mind that sending money with Zelle® is similar to handing someone cash.

  • Beware of payment scams

One example of a payment scam is buying event tickets at a price that seems too good to be true from a stranger and never receiving them. If the seller asks you to use Zelle® to purchase the tickets, you should refuse unless the seller is a person you personally know.

Also, keep in mind that no one from The Bank of Glen Burnie will ask you to send them money with Zelle® as a test or to send money to avoid a fraud event.

Neither The Bank of Glen Burnie nor Zelle® offers a protection program for authorized payments made with Zelle®. So, if you aren’t sure you will get what you paid for, you should use another payment method with purchase protection, such as a credit card.

  • Treat Zelle® like cash

Did your friend change phone numbers recently? It’s easy for people to change their phone number or email address. When in doubt, contact your friend to verify the email or U.S. mobile number they used to enroll with Zelle® before you hit “Send.” Another good check point for ensuring you’re paying the right person is to confirm the first name that is displayed for enrolled emails and U.S. mobile numbers.

If a person has already enrolled a U.S. mobile number or email address with Zelle®, you can’t cancel the transaction, so it’s important you get it right the first time.

If you’d like more information on safely using peer-to-peer payments, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).

Helpful Tips for Using Mobile Payments Services and Avoiding Risky Mistakes

Tips on Using Peer-to-Peer Payment Systems and Apps

How to Keep Your Personal Information Secure Online

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license

Scams are on the Rise: Security Tips to Help Protect Your Bank Account

Beware of scammers that may call or text you while impersonating The Bank of Glen Burnie, the IRS, the government, other financial institutions, or a well-known company. These scammers will attempt to catch you off guard and get you to share personal information in order to steal your identity, money, or both. Learn more about how to spot these scammers, and always remember to handle each incoming phone call or text with caution.

  • Your financial institution will never call you to request information you received via text (SMS) or pressure you to reset your online banking log in password or ask you for your one-time passcode.
  • Don’t trust caller ID; Caller ID may be modified or spoofed to make it appear to show your financial institution’s name.
  • Don’t provide your online banking log in credentials, one-time password, account number, PIN or personal information by email or text or phone call. Using a published phone number, reach out to your financial institution to confirm that the request is legitimate.
  • Don’t give information over the phone if you receive a call stating that a transaction is canceled, even if the caller claims to be from your financial institution. Once again, contact your financial institution using a published phone number (on your bank statement or card) to inquire about the transaction.
  • Don’t send money to “receive a refund” or “reverse a transfer.” Remember, the bank has your account information.
  • If you receive a code to authorize any amount of money (even $.01) to be transferred or another transaction you didn’t initiate, don’t enter the code in your bank app or share it with anyone, even if they claim to be from your bank.
  • Don’t click on links in unsolicited emails or texts.
  • Scammers often leave messages or send text messages that are calculated to get you to reply or call them back. Messages like “Your account has been compromised. Call us to reset your password.” are used by scammers to convey a sense of urgency. Contact your financial institution using a published phone number. Don’t reply to the text message or call a phone number in the message.
  • Don’t give an unsolicited caller remote access to your computer.
  • Don’t download any “troubleshooting” apps because they may allow a scammer to take over your device.

The Federal Trade Commission (FTC) offers extensive information including tips for recognizing scams and examples of common scams.

Scammers Can Fake Caller ID Info

Scammers are using fake caller ID information to trick you into thinking they are someone local, someone you trust – like a government agency or police department, or a company you do business with – like your bank or cable provider.

Don’t rely on caller ID to verify who’s calling. It can be nearly impossible to tell whether the caller ID information is real. Click the links below to learn more about how to handle these types of calls.

If you receive a suspicious inquiry from someone who says they represent a company or a government agency, hang up and call the phone number on your account statement, in the phone book, or on the company’s website to verify the authenticity of the request. The Bank of Glen Burnie will never solicit your personal, private information via email or telephone.

Learn More About Caller ID Spoofing from the Federal Communications Commission (FCC)

Read More About Caller ID Spoofing from the Federal Trade Commission (FTC)

COVID-19 Scams

If you receive calls, emails, or other communications claiming to be from the Treasury Department and offering COVID-19 related grants or stimulus payments in exchange for personal financial information, or an advance fee, tax, or charge of any kind, including the purchase of gift cards, please do not respond. These are scams. Please contact the FBI at so that the scammers can be tracked and stopped.

Money Mule Scams

Money mule scams are a type of scam in which criminals use their victims to move stolen funds. Money mule scams can take many forms and commonly involve online dating, work-at-home jobs or prizes.

In a typical scam, the fraudster sends the victim money to deposit into a bank account and then asks them to send some of it to someone else, usually through a gift card or a wire transfer. When the initial check is later found to be fake, victims are on the hook for the full amount.

Consumers can avoid money mule scams by never using their own bank accounts or opening a new account in their name to transfer money for an employer; never paying to collect a prize or move any money out of their “winnings”; and never sending money to an online love interest. If a money mule scam is suspected, consumers should break off contact with the scammer, inform their bank and report the incident to the FTC.

Learn More

Download Money Mule Infographic

Protect Yourself from Fake Check Scams

Protect yourself from fake check scams with these tips from FDIC Consumer News.

Read more

Telephone Scam Alert

In this type of scam, a call comes through with someone acting as if they are from your bank and stating there has been fraudulent use of your debit card (or leading you to believe that by giving you some alleged recent transactions). Often people are so concerned that they give out personal information, assuming what they have heard is true. If this occurs, HANG UP and call your bank to confirm whether they have called you and verify whether there is any problem with your account. NEVER give out your personal/sensitive information on a call you didn’t place [to a company you know to be legitimate].

Protect Yourself from Caller ID Spoofing

Caller ID “Spoofing” occurs when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity. Spoofing is often used as part of an attempt to trick someone into giving away valuable personal information so it can be used in fraudulent activity or sold illegally, but can be used legitimately, for example, to display the toll-free number for a business.

Learn More About Spoofing

Counterfeit Cashier’s Checks Bearing the Name “The Bank of Glen Burnie” are Reportedly in Circulation

The Bank of Glen Burnie, located in Glen Burnie, Maryland, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier’s checks bearing the institution’s name are in circulation. The information has also been shared with the Maryland Commission of Financial Regulation, the Federal Bureau of Investigation (FBI) and the United States Postal Service (USPS).

Read More

Fraud Protection

Keeping your personal information safe and secure is a top priority at The Bank of Glen Burnie®.

Learn More About Fraud Protection

Protect Yourself from Phishing

“Phishing” is a term that is used to describe one of the fastest-growing types of online fraud. Phishing involves someone impersonating your bank or another trustworthy entity through electronic communications such as emails, text messages, or instant messages.

Learn More About Phishing

Resource Guide – Money Smart for Older Adults

This easy-to-read guide published by the Consumer Financial Protection Bureau (CFPB) provides information for older adults, family caregivers, and others to help prevent, recognize and report financial exploitation.

View “Money Smart for Older Adults” Resource Guide (English)

View “Money Smart for Older Adults” Resource Guide (Spanish)

Unaffiliated Third-Party Bill Payment Websites

Unaffiliated third-party bill payment websites can create confusion for customers and often result in payment transactions on sites with no actual affiliation to the biller. Customers who use Google or other search engines to locate bill payment options are especially vulnerable to being misdirected to these unaffiliated third-party sites.

Learn More About Unaffiliated Third-Party Bill Payment Websites

FDIC Consumer News: Shopping Online During the Holidays?

During the holiday season, we tend to make a lot more purchases online for travel and gifts, so it’s especially important to be vigilant about protecting your money.

Learn More About Protecting Your Money From Scams