security

Zelle® Scams

Scammers may attempt to trick you into sending them money through Zelle®. That’s because they know once you do, it’s hard for you to get your money back. They might pose as your banks fraud prevention, ask for your one-time passcodes, ask you to send money through Zelle®, or ask for your personal information.

Tips For Avoiding Zelle® Scams

A scammer might

  • They might call, posing as your bank’s fraud prevention, asking about a pending transaction, saying you must use the Zelle® app to reverse unauthorized transactions and stop the charges, a financial institution will never ask you to reverse a charge on your account through Zelle®.
  • Send a fraudulent bank alert via text message about unusual activity. They’ll then pose as a bank representative and suggest preventing fraud by asking you to send money via Zelle® and for your one-time code. If you give them this code, they will use it to add their bank account to your Zelle®.
  • Create fake job offers. Beware of fake hiring managers offering jobs and sending a check for work-related expenses.
  • Send a fake text from your “bank.” The message seeks to verify a specific transaction and requests a response of either “yes” or “no”. The scammer pretends to be your bank representative, tricks you into sharing personal and financial information, and transfers your funds.

What to look for

  • Being asked to use the Zelle® app to reverse unauthorized transactions and stop the charges. Remember, a financial institution will never ask you to reverse a charge on your account through Zelle®.
  • Being asked for your one-time code that gets sent to your phone. If you give them this code, they will use it to add their bank account to your Zelle®. Once this happens, the money you send will go straight to the scammers bank account.
  • Hiring managers sending a check for work-related expenses and being requested to transfer the funds to a Zelle® account for equipment payment.

What you can do

  • Don’t respond to unsolicited text messages or emails.
  • Only send money to people you know.
  • Watch out for “urgent” deadlines or requests from new recipients.
  • Protect your devices by updating them with the latest security patches and software.
  • Control access to all your financial accounts, create strong passwords, and never share them with others.
  • Review your credit reports on a regular basis.
  • Enable fraud alerts on all of your financial accounts.
  • Never give anyone your two-factor authentication passcode.

How to Report

  • Contact your bank. Reach out to Dime Community Bank by calling our customer support team at 1-800-321-3463 or visiting any branch location.
  • Immediately report suspicious activity to Zelle® Support. If you authorized the payment, report a scam here.
  • Report the scam or fraud to the government. You could start with the FTC. You may also want to report scammers directly to the FBI.

Other Scams You Should Look Out For

Stay informed and stay safe! Scammers keep evolving their tactics, so it’s important to stay up-to-date on the latest scams in order to protect yourself and your loved ones.

Text Message Scams

Text Message Scams

Scammers that use fake text messages to deceive you into sharing personal information such as passwords, account numbers, or Social Security numbers.

Learn More
BEC Scams

BEC Scams

Business Email Compromise (BEC) fraud includes various scams resulting from fake emails, including fraudulent payments.

Learn More
Check Scams
attach_money

Check Scams

Check scams often start with a stranger asking you to deposit a check for them, sometimes for several thousand dollars. They may even ask you to send some of the money back or to another person.

Learn More
Mail Theft

Mail Theft

Mail theft generally refers to the fraudulent negotiation of checks stolen from the U.S. Mail. Once stolen, these criminals may attempt to alter or “wash” the checks.

Learn More
Payment App Scams

Payment App Scams

A scam that attempts to trick you into sending someone money through a mobile payment app. Once this is done, it’s very difficult to get your money back.

Learn More
Phone Call Scams

Phone Call Scams

Scammers that try to steal your money or personal information by pretending to be someone they’re not. May come through phone calls from real people or robocalls.

Learn More
Zelle Scams

Zelle® Scams

Scammers may attempt to trick you into sending them money through Zelle®. Like other payment app scams, your money will be very difficult to get back.

Learn More
Money Mule Scams

Money Mule Scams

Criminals try to hide the illegal origins of their funds by involving unsuspecting individuals as “money mules” to do transactions to obscure the source.

Learn More
Debit Card Fraud

Debit Card Fraud

Scammers obtain and use your debit card info to make purchases or convince you to use your debit card to make purchases for them.

Learn More
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Fraud Prevention Solutions

Your security is our top priority. That’s why Dime offers fraud prevention solutions that can help you identify, report, and prevent fraud.

Check
Positive Pay

Check-based fraud prevention by matches checks presented for payment against a list of checks issued by your business.

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ACH
Positive Pay

Prevent fraud related to ACH transactions by using our system, which enables your business to monitor and manage such transactions. You can use filters and blocks to ensure that all ACH transactions posted in your account are legitimate.

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Debit Card
Security

Protection from identity theft and unauthorized spend.

• ID theft protection*

• Zero liability protection**

• Fraud monitoring text alerts

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Savvy
Money

The first step toward improving your credit is understanding your credit. That’s why Dime online banking includes Savvy Money. A service that helps users access their rating, learn the factors most impacting it, and how to improve it.

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* Terms, conditions, limitations and in some cases enrollments are applicable – please see the Mastercard Guide to Benefits for Debit Cardholders.

** You’re not responsible for unauthorized transactions that you promptly report to us if you have taken ordinary care of your card and PIN.