FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government



Your Money Moves Fast. Scammers Do, Too.

Think twice before you tap "Send".


Zelle® makes it easy to send money straight from your bank account—and that’s why so many of us use it with friends and family we trust. But scammers are out there trying to take advantage of how quickly money moves. Once a payment is sent, it’s usually hard to get back. The good news? A little awareness goes a long way.


Here’s what to watch for, and how to keep yourself safe.

Warning Signs & How to Stay Safe

Fake Buyers

Scammers pretend to purchase goods and claim they’ve sent money with Zelle®—but no money actually arrives in your account.

Check Funds

Only release goods after you have confirmed the payment has been credited to your account.

Impersonation Scams

Fraudsters may pose as your bank, government agencies, utility companies, service providers—or even as a loved one—pressuring you to send money quickly.

Verify Identity

Pause and confirm. Call your bank or contact the person directly through a trusted number.

Refund / Overpayment

You’re told extra money was sent “by mistake” and asked to return it.

Ignore Requests

Don’t send it back. Your bank won’t ask you to return money this way—report it to your bank instead.

Romance Scams

A relationship or sudden crisis story is used to pressure you into sending money.

Trust Wisely

Think before you send. Never send money to someone you haven’t met in person.

How We Can Help

HCN Bank offers smart tools and support to help protect our customers from Zelle® and other Person-to-Person (P2P) payment scams.


  • Account Alerts – Set custom alerts in our mobile banking app for all incoming or outgoing transactions. You’ll also receive an email and text whenever a Zelle payment is sent or received.


  • Transaction Reviews – Our fraud specialists review suspicious or high-risk Zelle® activity. We'll give you a call if something doesn't look right.


  • Customer Education – Through our CyberSmart series, we help you recognize and avoid digital scams.


  • Fraud Support Team – We're here to assist if you notice something unusual or think you've been targeted.

Need Help? Contact Us!

Seen a scam like this—or something similar? Let us know!

Your story could protect someone else. 

Visit us at your local branch or call (951) 766-4100 to speak with our team.

Stay safe, Stay CyberSmart

hcnbank.com/cybersmart • (951) 766-4100
 

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To send or receive money with Zelle®, both parties must have an eligible checking or savings account. 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.