to prevent, detect, and protect against security incidents, fraud, and prohibited or illegal activities; to undertake activities to verify or maintain the quality or safety of our services; to perform services (for us or our service providers) such as account servicing, providing customer service, fulfilling transactions, verifying your information, providing analytic services; for internal research for technological development, demonstration, and improvement; to verify the existence of your financial account; to research and resolve issues related to transactions you sent or received; to debug,identify, and repair errors that impair existing intended functionality; to facilitate transactions, including enabling our bank and credit union partners to complete money transfers between their customers and you; to notify you by push notification, text, or email, of a pending money transfer or a request for payment; to facilitate your enrollment and resolve issues relating to your enrollment; to verify changes youve made to your personal information; to create and deliver marketing communications to you about. Anyone with a bank account at one of the participating banks can register with and use Zelle, Hamerstone says. It's important that you know and trust those you send money to. Be free from discriminationfor exercising your privacy rights. If youve been the victim of fraud or a scam, you should report it immediately online to the FBI Internet Crime Complaint Center or call the FBIs toll-free fraud hotline at 833- FRAUD-11. If you are a security researcher and would like to report a vulnerability that you believe youve found inZelleor any products of Early Warning Services* (the company behindZelle), we would like to work with you to investigate the issue. The scammer will generously add the $300 onto the payment they sent you, as long as you promise to refund them after you upgrade. Will I need to sign up for an account before I send a transfer? Zelle was created in 2017 by the company Early Warning Services (EWS), which is owned by seven of the biggest banks in the United States, including Bank of America and Capital One. If you are enrolled in Zelle through your bank, youll also need to contact them, but if youre enrolled with the Zelle app, you can fill out this online form or call 844-428-8542. Based on the country you are transferring funds to, you will also need to supply one of the following: For example, the ABA routing number is used to identify banks in the United States and you will need to provide it or a SWIFT for transfers to that country, while if youre sending a transfer to Europe you will need the IBAN and the SWIFT of the recipients bank. If youre linking Zelle to a Visa or Mastercard debit card, then youll need to download the Zelle app to get started. You'll get your ITIN within 7 weeks if you qualify. We may use a third-party identity verification service to assist us with verifying your identity. Over 100 million people use Zelle to transfer nearly $500 billion annually, which is a staggering amount of money, says Monica Eaton, COO of Chargebacks911. Your bank or money transfer provider will be able to provide specific information about the bank details you need to supply during the transfer process. Companies not related by common ownership or control. No minimum deposit to open an account and get started. Confirm your email and wait for bank account approval. We maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. If your questions are not answered online, you may email us at privacyoffice@earlywarning.com, or write us at Early Warning Services, LLC. If someone you don't know is requesting a payment via Zelle, I'd suggest declining," Rossman said. It is important to note the difference between fraud and a scam. As for receiving payments, you will need to provide your name, address, phone number and email address to open a free PayPal account. We may disclose personal information with the following categories of third parties for the business purposes we described above in Section 5: TheZelleNetworkUser Service Agreementdefines eligibility requirements to use the App. Even so, we honor the following data privacy rights, regardless of whether we are obligated by law and regardless of your state of residence. Request that we deleteyour personal information. You can either mail it in or apply in-person at IRS locations or IRS-authorized acceptance agents. Contents Why Zelle needs a bank How Zelle works Zelle is safe, as long as you know and trust the person you're sending money to. We may receive payment from our affiliates for featured placement of their products or services. Plus, keeping large amounts of cash at home may appear suspicious to law enforcement, even if you're doing absolutely nothing wrong. Federal law gives consumers the right to limit some but not all sharing. Schedule your meeting at your nearest branch or over the phone. Customer service representatives can be reached at 844.428.8542 (7 days a week from 10am-10pm EST, excluding New Years Day, Independence Day, Thanksgiving and Christmas). Students with no Social Security number and 17-year-olds can only open an account at a branch. In short, if someone gets access to your account without you being involved in any way, that is considered fraud, and you will generally be able to get your money back, Hamerstone says. To make this Privacy Notice easy to find, we make it available through the App and on the zellepay.com website. CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. Each company can set their own requirements for what information and proof of ID you need to send or receive a transfer. Citibank has over 2,600 branches in 19 countries. Who can use Zelle? finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Fin. When receiving money, Identifying information doesnt always mean your Social Security number. Additionally, we use security features that are built into the hardware and software of your device to help protect your transactions, such as facial or fingerprint recognition. If you feel rushed to make a decision, theres a strong chance its a scam.. This is probably the most common scam, according to experts, and it has several forms. Some even offer free checking accounts with no minimum. In order to make a payment request to one or more U.S. mobile numbers, the mobile numbers must already be enrolled with Zelle. As stated above, we do not sell or share personal information that weve collected from the App with third parties. Thank you for using Zelle. Our affiliates include Early Warning Services, LLC, clearXchange LLC, Authentify, LLC, Early Warning Information Solutions, LLC. Please note that simply deleting the App from your device without selecting Delete Account (via the Apps settings) will not result in yourZelleprofile being closed and deleted. Reasons we can share your personal information. Can a non US citizen open a bank account?Yes, foreigners can open a bank account in the US. You will need to provide a SWIFT for your recipients bank. Alliant will even pay the one-time $5 membership fee for you on your behalf. The Better Business Bureau has warned of fake buyers who pretend to pay for an item, then trick you into sending them money back. Request that we correct inaccurate personal information that we maintain about you. Personal information means information that identifies or can be used to identify you directly or indirectly. Opt out of the sale or sharingof your personal information. Learn about better options. While PayPal offers significant protection from fraudulent transactions, Zelle, for example, does not offer such protection, says Steven J.J. Weisman, a lawyer and professor of white-collar crime at Bentley University. You should consult privacy disclosures at the linked . You should check this Privacy Notice frequently for updates. Go to https://www.zellepay.com/privacy-policy. [1] Due to the nature of Zelle's near real-time payment service, people can often be targeted by scammers in an attempt to trick you into sending a fraudster money. Like Bank of America, you can open a Chase account without a Social Security number, but the ability to do so may depend on your visa or Green Card status. Chase Bank has 4,700 branches and more than 16,000 ATMs[1] throughout the U.S. Make transfers to over 120 countries in 40+ currencies, The recipients home address (supplying this information is optional with some providers), ABA (American Bankers Association) routing number, SWIFT (Society for Worldwide Interbank Financial Telecommunication) or BIC (Bank Identifier Code), Photo identification for yourself (a passport or drivers license will do), Your recipients full name (this must match the recipients name as it appears on their ID), Your banks BSB (Bank State Branch) number, Photo ID, for example your drivers license or passport, The reference number quoted to you by the person who sent the transfer, Proof of address dated within past 3 months. While anyone can be faced with Zelle scams, there are ways to protect yourselfnamely, by familiarizing yourself with the methods criminals may use to trick you. Transfer money overseas with credit or debit card. "Zelle's ease-of-use can also make it possible for malicious parties and fraudsters to use social engineering to acquire Zelle credentials," said Tom Kelly, president and CEO of consumer privacy company IDX. You can also take advantage of online banking services through the Chase site and mobile app. For our marketing purposesto offer our products and services to you, For joint marketing of the Zelle service with other financial companies, For our affiliates everyday business purposesinformation about your transactions and experiences, For our affiliates everyday business purposesinformation about your creditworthiness. 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. You can open a Bank of America account with an ITIN instead of an SSN, but you'll have to do it at a local branch as the option isn't offered online. If youd like more information on peer-to-peer payments safety, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB). Some service providers see an unbanked person as a potential risk, and may charge you additional fees for not having an account. Finder is a registered trademark of Hive Empire Pty Ltd, and is used under license by Usually, you will need to provide an Individual Taxpayer Identification Number (ITIN) instead. Personal information weve collected, used, and/or disclosed. You may also need to speak with a representative for approval. ","anchorName":"#what-information-do-i-need-to-send-a-money-transfer"},{"label":"What information do I need to receive a money transfer? Additional information concerning our privacy policies can be found at, Personal information weve collected, used, and/or disclosed, Your rights regarding your personal information. Otherwise, to exercise this right, follow the instructions in Section 11. State laws and individual companies may give you additional rights to limit sharing. After, you may be required to email further documentation. Message and data rates may apply. Review this Privacy Notice in its entirety to learn more about the personal information we collect, why we collect personal information, the sources from which we collect personal information from, and who we may disclose personal information to. What recipient bank account details will I need to provide when sending funds to China? You can sign up with a valid driver's license, passport, an identification card from a Mexican consulate, a state-issued ID, a military ID, or a residency card. All categories listed below in Section 6. Know how to send or request money using Zelle without a smartphone? Identifying information doesnt always mean your Social Security number, however. That is why these services should never be used for commercial transactions but only to transfer small amounts of money to people you know.. If you lose your phone and have the Zelle app, a criminal can initiate transfers from your account, but in the majority of cases, Zelle scams boil down to trickery, Contos points out. Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. This content is not provided by Citi. To obtain an SSN for the first time, you'll need to submit an application and show us original documents (or copies certified by the issuing agencies). Upload documentation and wait for approval.