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Will I be charged a fee if I use my TD Bank debit card at a non-TD ATM in the U.S. or abroad? Send Money with Zelle®. How can I use Send Money with Zelle® to. Millions of people are already using Zelle®—make sure you add your contacts using the Address Book feature. Receive money. Why wait days? Get your. The bank, which helped launch the real-time network for peer-to-peer payments, is trying to duplicate that success by helping corporate.
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Zelle scam steals over $10,000 from woman

CINCINNATI — As money transfer apps become more and more popular, scammers become more brazen in their attacks.

This time, a woman has lost more than $10,000 and is unsure if she will ever be able to recover it.

Catina Brown received a fraud alert on her phone the other day that said it was from her bank, Chase.

It asked if she was attempting to make a $5,000 money transfer via Zelle.

"It is saying 'did you try to send $5,000?' And I said 'no!'" Brown said.

Moments after she texted back, her phone rang, and a man claiming to be a Chase bank agent said he was going to help.

"He said 'someone is trying to send $5,000 from your account,'" she said.

To stop the fraud, the agent said he just needed her login.

By then, she was in a panic, with visions of her bank account being drained. She needed the money for a small business she is starting, so she complied with his instructions.

"He had me give him the codes," she said.

You might guess what happened next: The $5,000 Brown thought she was locking down was instead transferred out of her account.

She had just become the latest victim of a money transfer scam targeting users of Cash App, Venmo and Zelle across the country, according to the Better Business Bureau.

How much did she end up transferring? Brown said it was almost her entire savings - $13,325 in total.

Scammers see money app customers as easy targets

As money transfer apps become more popular, more people are falling for this scam, the Better Business Bureau said.

The reason: You get an alert on your phone and you want to fix the problem as soon as possible.

WCPO 9 contacted Chase bank to see if there is any way to reverse some of the transfers, though that is often impossible. Using a money app is the same as just handing cash to someone.

A Chase spokeswoman told us "we are still investigating the customer’s claim. This type of scam is unfortunately targeting consumers who bank at multiple financial institutions, including Chase."

"Chase will never contact a customer asking them to send money to anyone to prevent or stop fraud on their account via check, wire transfer or Zelle." (Read full statement below)

These apps do not have the protection of a credit card, debit card, or even personal check, which can be stopped.

While Zelle (unlike Venmo) is partnered with major banks, it doesn't offer much additional protection in cases like this, where the account owner willingly transfers the money.

To protect yourself, the BBB says:

  • Never trust a text or call from a bank or money app, even if they alert you to "fraud" in your account.
  • Never give anyone your login info. The bank will already have it, and they don't need you to enter your PIN if there is a problem.
  • If you are not sure it is your bank or money app contacting you, call them, or in the case of Zelle, Venmo, or Cash App, look up their "contact us" webpage.
  • Beware Googling their customer service number: it is easy to reach a fake Zelle, Venmo, or Cash App number, which then puts you on the line with a different group of scammers.
  • Consider linking your money app to a credit card, instead of your bank account, for added safety (though you may be hit with a small fee every time you use it).

Brown, who is trying to start her own trucking dispatch company, wonders if her dreams have now gone the way of her savings.
"I'm trying to start a small business, and this is taking me out, basically," she said.

As always, don't waste your money.

____________________

Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").

Like" John Matarese Money on Facebook

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For more consumer news and money saving advice, go to www.dontwasteyourmoney.com

——————————

FULL STATEMENT FROM CHASE BANK:

"We are still investigating the customer’s claim. This type of scam is unfortunately targeting consumers who bank at multiple financial institutions, including Chase.

Chase will never contact a customer asking them to send money to anyone to prevent or stop fraud on their account via check, wire transfer or Zelle."

Below is additional information that may be helpful.

Chase Fraud prevention tips and educational materials

  • On our website, we provide customer education about fraud [chase.com] and scams [chase.com], phishing attempts by text and how to avoid them, and have additional tips. 
  • On our website, we also provide additional information about using Zelle [chase.com]. 
  • Remember:  We won’t ask for confidential information such as your user name, password, personal identification number (PIN) or other account information in a text message or email.  You can find that information on our website here [chase.com].
  • What do I do if I get a phone call about my account?
  • Never give out personal or financial information such as your checking account, credit card and Social Security numbers over the phone unless you made the call or you know the person or organization you're dealing with.
  • We won't ask you for your PIN or password by calling you or by sending you an email. We may ask for this information only when you call us to discuss your account.
  • Be careful when you get a phone call from someone who:
  • Please contact us right away if you believe you've given out any personal information over the phone. To report a suspicious phone call or potentially fraudulent activity, please follow the instructions on this page.
  • Threatens to close or suspend your account if you don't tell them your personal information
  • Tells you your account has been attacked and then asks you to tell them your account or personal information
  • Requires you to give any personal information, such as your user name, password or account number
  • Asks you to confirm, verify or update your account, credit card or billing information
  • For example:
  • As a reminder to your viewers, Chase will never contact a customer asking them to make a Zelle payment to anyone.
  • Make sure you send money to people you know and trust in order to help avoid scams and protect your account.
  • We don't protect or cover purchases if you use Zelle to pay for goods or services. 
Источник: https://www.wcpo.com/money/consumer/dont-waste-your-money/zelle-scam-steals-over-10-000-from-woman

What Is Chase Quickpay With Zelle?

Banking / Mobile

Concept of online shop, online shopping.

Monkographic / Getty Images/iStockphoto

The convenience, speed and security of peer-to-peer money transfer apps are here to stay within the financial landscape. An estimated 96 million P2P transactions will take place in 2019 alone, according to eMarketer, a market research company. And banks like Chase have jumped on the bandwagon: In mid-2017, Chase replaced its previous Chase QuickPay app for a new Zelle-powered offering, called Chase QuickPay with Zelle. When you bank with Chase, you can leverage this partnership between Chase and Zelle to quickly and easily transfer money to family and friends — for free.

What Is Zelle?

Zelle is a service that lets you make payments and receive money, either through the Zelle app or through participating bank apps. It is utilized by several financial institutions to compete with the standalone Venmo app, with a focus on being used within a bank’s own mobile app. Zelle’s security features ensure that Chase QuickPay with Zelle transactions are safe, and recipients who don’t already have an account at a participating financial institution can quickly sign up for a Zelle account to access the funds they receive.

Note that Chase QuickPay with Zelle is different from Chase Pay, which allows a customer to make payments using their phone at participating retailers and to redeem their Chase Ultimate Rewards points for a statement credit.

How To Set Up Chase QuickPay With Zelle

You need a Chase checking account to use Chase QuickPay with Zelle, and you must have a Chase.com login. Once you meet those requirements, you can enroll in Chase QuickPay with Zelle by following these steps:

  1. Sign in to the Chase website with your username and password. You can enroll on the website before continuing with the Chase QuickPay with Zelle process if you don’t already have an account.
  2. Select the “Chase QuickPay with Zelle” from the “Pay & transfer” menu.
  3. Review and accept the Chase QuickPay service agreement and privacy notice.
  4. Verify your email address or mobile phone number via the one-time code that Chase will send to you.
  5. Select the checking account or Chase Liquid card you wish to use to make your Chase QuickPay with Zelle payment.
  6. Once you’ve completed the steps, you’re ready to request, receive and send money.

How To Send or Request Money Using Chase QuickPay With Zelle

Chase customers can access Chase QuickPay with Zelle through the Chase mobile banking app. To send money, simply enter the email address or mobile phone number of the person you wish to pay and the amount you’re sending. Send money to or request money from anyone by following these five simple steps:

  1. Sign in to the Chase Mobile app.
  2. Select either “Send Money” or “Request and Split Money” in the “QuickPay with Zelle” tab of the navigation menu.
  3. Choose an existing recipient from your contacts or add a new one.
  4. Check the payment information for accuracy.
  5. Tap “Send Money” or “Request Money.”

You’ll receive a confirmation that the transaction was successful, and the recipient will receive instructions on how to complete the process and claim the money. If you’re requesting money, the party on the other end of the transaction will get a notification.

Timing for Payments

When you send a payment to someone using Chase QuickPay with Zelle, it’s helpful to know when the payment might arrive:

  • For recipients with a Chase account, the money usually arrives within minutes, but no later than the next business day.
  • For recipients who bank at a different Zelle member bank that supports real-time payments, the transaction typically takes only minutes. Otherwise, the funds are available within one to two business days.
  • For recipients who bank at a financial institution that is not a Zelle member, funds should be available within one to two business days, depending on the bank’s processing times.
  • Recipients who are using the Zelle app will get the money soon after it’s sent, according to Chase.

For assistance with Chase QuickPay with Zelle, call 877-242-7372 in the U.S. or 713-262-3300 outside the U.S.

Sending Limits for Chase QuickPay With Zelle

Chase QuickPay with Zelle transfers money electronically to and from your bank account. Although you’re able to receive unlimited amounts of money, there are some limits on what you can send:

  • Chase personal checking account or Chase Liquid card: The limit is $2,000 per single transaction, up to $2,000 in one day, and no more than $16,000 in a calendar month.
  • Business checking accounts: Single transactions are limited to $5,000, up to $5,000 in one day, with a $40,000 cap per calendar month.
  • Chase Private Client and Private Banking client accounts: Single transactions are limited to $5,000, up to $5,000 in one day, with a $40,000 cap per calendar month.

Chase QuickPay with Zelle is free for both sending and receiving money. The only charge is any applicable data usage or message fees imposed by your mobile carrier.

One important distinction between the Chase QuickPay app that’s powered by Zelle and Chase Online Bill Pay is that Zelle is only meant for peer-to-peer transactions. To schedule one-time or ongoing payments for expenses like rent, utilities, car payments and credit card bills, you must use the bill pay service.

Tips for Safely Using Peer-to-Peer Payment Apps

Chase QuickPay with Zelle isn’t the only peer-to-peer payment app — and it’s certainly not the first. That designation would go to PayPal, which has been around since December 1998. In the two-plus decades since PayPal made its debut, plenty of other P2P payment apps have cropped up: Venmo (which is a subsidiary of PayPal), Cash App, Apple Pay and Google Pay are all players in the P2P payment game. You can even make peer-to-peer payments via Facebook Messenger. In today’s world, there’s really no excuse not to split the bill the next time you’re out for lunch with friends. With so many options out there, it’s important to consider the potential risks of using these payment apps.

When you send money via P2P apps, you must be diligent about sending the money to the right person. Always double- or triple-check the contact information of the person you are sending the money to. You might also want to let them know in advance that you’re sending funds their way. Before you tap the “Send Money” button, make sure you’re sending the correct amount. It’s not outside the realm of possibility to accidentally send $1,000 rather than $10.

The Chase website offers this disclaimer: “Make sure you send money to people you know and trust in order to avoid scams and protect your account. We don’t protect or cover purchases if you use QuickPay to pay for goods or services.”

Keep reading to find out how to locate your nearest Chase branch.

Erika Giovanetti contributed to the reporting for this article.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

About the Author

Barb Nefer has been writing professionally for nearly 30 years, cutting her teeth as a news writer for the Daily Southtown in Chicago. She's a doctor of psychology, and her eclectic expertise includes personal finance, psychology, travel and the pet industry. Her work reflects that diversity, with pieces appearing in places like About.com, CBS Local, Yahoo.com, WebPsychology, and Animal Wellness magazine.

Источник: https://www.gobankingrates.com/banking/mobile/what-is-chase-quickpay-zelle/

FAQs

WHAT IS ZELLE®?

Zelle is an easy way to send and receive money from friends, family and people you know and trust. With just an email address or U.S. mobile phone number, you can quickly, safely and easily send and receive money with almost anyone who has an eligible U.S.-based bank account.

WHAT SHOULD ZELLE BE USED FOR?

You can use Zelle to send money to almost anyone with an eligible U.S.-based bank account. Eligibility requirements may vary depending on where your recipient banks.

Zelle should be used to send and receive money from people you know and trust, such as: your family, friends, babysitter, neighbor, or a coworker. If you don’t know the person (for example, paying for items for sale online), we recommend you do not use Zelle for these types of transactions. These transactions are potentially high risk and neither Wintrust Community Banks nor Zelle offer a protection for any purchase or sale conducted using Zelle. 

WHAT IS THE DIFFERENCE BETWEEN ZELLE AVAILABLE THROUGH THE .COMMUNITYMOBILE BANKING APP AND THE ZELLE STAND-ALONE APP?

Wintrust Community Banks partnered with Zelle to offer a unique experience to our customers that is only available through the .communityMobile Banking downloadable app.

Zelle is also available through a separate mobile app that is not operated or maintained by Wintrust Community Banks; instead, it is owned and operated by Early Warning Services LLC, a third-party entity. 

HOW FAST IS MONEY SENT WITH ZELLE?

With Zelle, funds are typically available to an enrolled recipient within minutes. However, for unenrolled recipients it may take up to three days before the funds may be available.

IS THERE A FEE TO USE ZELLE?

No, there is no fee for Wintrust Community Bank customers using Zelle to send or receive money.

WHO IS ELIGIBLE TO USE ZELLE?

In order to use Zelle within the .communityMobile Banking app, you must have a Wintrust Community Bank consumer checking account as well as a valid email address or U.S. mobile number. Wintrust Community Banks currently don’t support sending money via Zelle using savings and money market accounts.

WHAT HAPPENS WHEN I ENROLL WITH ZELLE?

When you enroll with Zelle using the .communityMobile Banking app, we establish a connection between your email address or U.S. mobile phone number and your eligible Wintrust Community Bank checking account. When you send or receive money with Zelle, the funds will automatically be directed to and from your Wintrust Community Bank enrolled checking account.

CAN I BE ENROLLED IN ZELLE AT MORE THAN ONE BANK?

The email address or U.S. mobile number you use with Zelle can only be used with one bank at a time. If you have another email address or U.S. mobile number available, you can enroll it in Zelle with another bank.

If your email address or U.S. mobile number is already enrolled with Zelle through another bank and you want to transfer the enrollment over to Wintrust Community Bank there are a few ways you can do that:

  • When you first enroll in Zelle within .communityMobile Banking app
  • By going to the Zelle profile settings on the .communityMobile banking app 

CAN I CHANGE MY EMAIL ADDRESS, U.S. MOBILE NUMBER, OR CHECKING ACCOUNT I HAVE LINKED TO MY ZELLE PROFILE?

Yes, to change your email address, U.S mobile number, or checking account linked to your Zelle profile, visit your Zelle profile settings on the .communityMobile banking app. 

WHAT HAPPENS IF I SEND MONEY TO SOMEONE USING ZELLE AND THEY NEVER ENROLL IN ZELLE?

If you send money to someone using Zelle and they do not respond within 14 days, we will cancel the transaction. The money will not be deducted from your checking account until your recipient completes enrollment with Zelle.

CAN I CHANGE OR CANCEL A ZELLE PAYMENT ONCE I HAVE SENT IT?

You cannot change or cancel a Zelle payment once you sent it. If your recipient has already enrolled with Zelle, the money is sent directly to your recipient and cannot be canceled.

If your recipient hasn’t yet enrolled with Zelle, they will receive an invitation to enroll. If they do not enroll in Zelle within 10 days, the transaction will be canceled. The money will not be deducted from your checking account until your recipient completes enrollment with Zelle.

ARE THERE LIMITS TO THE AMOUNT OF MONEY I CAN SEND AND RECEIVE?

There are no limits to the amount of money you receive. Wintrust Community Banks have established a send limit of $2,000.00 per transaction with a maximum of $2,000.00 per day. We reserve the right to change the transaction limits at any time. All transfer limits are subject to temporary reductions to protect your account.

Источник: https://www.wintrust.com/lp/2018/zelle/zelle-faqs.html

Chase Bank Review

Chase Bank, JPMorgan Chase & Co.’s consumer banking arm, is one of the nation’s largest full-service banks. It offers a broad range of financial products and services to individuals and businesses. In addition to checking, savings and CD accounts, Chase is well known for its extensive credit card offerings, including popular travel rewards and cash back credit cards. With options for adults, students and kids, Chase has accounts to fit most needs.

You can find Chase Bank branches and ATMs across the country, and it also maintains a robust online presence. This review focuses specifically on personal banking solutions offered by Chase Bank.

Account details and annual percentage yields (APYs) are accurate as of April 23, 2021.*

Account Basics

Checking

Chase Bank offers a robust selection of checking accounts to meet varying banking needs. Like its savings accounts, most of Chase’s checking accounts feature a monthly service fee. Chase generally offers ways to waive these fees, though.

Chase labels three of its checking accounts as “everyday” checking accounts. All three accounts offer access to nearly 16,000 ATMs and more than 4,700 branches nationwide. Each account offers online banking, online bill pay and mobile banking, as well as automatic transfers to Chase savings accounts.

The most popular of these accounts, according to Chase, is Chase Total Checking®. This account has a monthly maintenance fee of $12, which can be waived by meeting certain requirements. The account comes with a complimentary debit card. Be aware that Chase charges a $2.50 fee each time you use a non-Chase ATM on top of the ATM owner’s charges.

The other two everyday checking accounts are Chase Secure Banking℠ and Chase Premier Plus Checking. Chase Secure Banking has a monthly fixed fee of $4.95. Chase Premier Plus Checking has a monthly maintenance fee of $25, which can be waived by meeting certain requirements.

Two premium accounts, Chase Sapphire Banking and Chase Private Client Checking waive fees for non-Chase ATMs and for personal design checks. They also offer higher limits on Chase QuickDeposit℠ and Zelle® money transfers, fewer fees on specific services, and exclusive sports and entertainment benefits.

Both Chase Premier Plus Checking and Chase Sapphire Banking are interest-bearing accounts. Like most Chase accounts, the interest rates are well below the competitive rates offered by online banks. Premier Plus Checking has no fee for the first four non-Chase ATM transactions each statement period. Chase Sapphire Banking waives all fees for non-Chase ATM use.

One of the better offerings from the banking giant is Chase College Checking. The account is designed for college students ages 17 to 24. There is no monthly service fee for college students for up to five years while you attend school, provided you show proof of your student status. The account comes with a free debit card and account access online and through Chase’s mobile app.

Chase also offers a High School Checking account (ages 13 to 17) and Chase First BankingSM, a parent-owned account for children ages six to 17.

Below is a breakdown of all of Chase’s checking account offerings.

Savings

Chase Bank has two savings account offerings: Chase Savings and Chase Premier Savings. Neither account offers competitive rates, especially when compared with savings rates at many online banks.

Chase Savings is a basic interest-bearing savings account that earns a meager 0.01% APY on all balances. The account carries a $5 monthly maintenance fee, but it can be waived if you meet one of the following monthly criteria:

  • Maintain a $300 balance or more at the beginning of each day
  • Have $25 or more in Autosave or other recurring automatic transfers from a Chase personal checking account
  • You’re younger than 18 years old
  • Have a linked account from select Chase bank accounts

Chase Premier Savings features a $25 monthly management fee, but it can be waived by meeting one of these two monthly requirements:

  • Maintain a $1,500 balance or more at the beginning of each day
  • Have a linked Chase Premier Plus Checking or Chase Sapphire Checking account

The Premier Savings account offers tiered interest rates based on the account balance and whether you qualify for its relationship rates. Chase Premier Savings’ standard rate is 0.01% APY, but you can earn up to 0.05% APY if you have a linked Chase Premier Plus Checking or Chase Sapphire Checking account and meet monthly transaction requirements.

The account charge a $5 fee for select transactions over the limit of six per month.

CDs

Chase Certificates of Deposit are available in a host of term lengths, ranging from one month to 10 years. Opening a CD through Chase requires a $1,000 minimum deposit. The standard CD rate is 0.01% APY for all term lengths. Customers with a linked Chase checking account are eligible for higher relationship rates based on term length and account balance.

Chase also offers special CD ladder rates for Chase Private Client customers who open four CDs of varying term lengths simultaneously for the same amount.

Depending on term length, withdrawals from Chase CD accounts are subject to early withdrawal penalties up to 365 days of interest on the amount withdrawn (up to the total amount of interest earned during the current CD term). CDs automatically renew once they reach maturity. Customers can renew their CD, add funds, change terms or withdraw funds during the 10-day grace period following the maturity date.

CDs can be a great way to grow your savings over time, especially if you have funds you don’t need to access for a while.

Here are the current CD terms and rates available through Chase.

Other Accounts and Services

As mentioned, Chase offers full-service banking. Along with its bank accounts and credit card offerings, Chase is also home to other financial products like:

  • Auto loans
  • Home mortgage loans
  • Home refinancing
  • Home equity lines of credit (HELOCs)
  • J.P. Morgan wealth management and investment planning
  • Business banking, including checking, credit cards and merchant services
  • Commercial banking solutions

Access on the Go

Chase customers have access to the highly rated Chase mobile app. Available for iOS and Android, Chase’s mobile app offers 24/7 management for all of your Chase and J.P. Morgan accounts. The app gets 4.8 stars out of 5 on the App Store and 4.4 stars out of 5 on Google Play.

Mobile app features include:

  • Account management
  • Electronic transfers
  • Mobile check deposit
  • Bill pay service
  • Zelle compatibility
  • Wire transfers
  • Automated savings
  • Account alerts and notifications
  • Card lock

Chase customers also can access their accounts at any time online. Customer support is available via phone by calling 1-800-935-9935. You also can get help by messaging Chase on Facebook, or Twitter at @ChaseSupport.

For those looking for local banking support, Chase currently operates over 4,700 local branches and 16,000 ATMs across the U.S.

Pros

  • Over 4,700 branches and 16,000 ATMs nationwide
  • Frequently offers bonuses to new customers who open accounts
  • Highly rated mobile app

Cons

  • Low interest rates on CDs, savings and checking accounts
  • Monthly fees with most accounts if you don’t qualify for waivers
  • ATM fee at out-of-network ATMs with Chase’s basic accounts

How Chase Bank Stacks Up

Chase Bank offers ample banking products to meet the needs of most individuals. Still, low interest rates keep it from being a viable option for people who want to maximize their savings. Monthly service fees are also an issue for those who don’t want to pay for banking services, although most fees can be waived if you can meet specific monthly requirements.

Chase maintains a strong digital footprint with its popular mobile app and online banking platform. Yet, it still offers an extensive local presence for individuals who prefer in-person banking services. If you can avoid the monthly fees, Chase is a solid option for your personal banking needs.

Frequently Asked Questions (FAQs)

Is Chase Bank FDIC insured?

Yes, all Chase bank accounts are FDIC insured (FDIC# 628) up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

Chase Bank employs numerous safety measures to ensure its customers’ safety. Security measures include the latest encryption technology, multiple authentication checks and account activity monitoring.

Does Chase Bank offer any loans?

Yes, Chase is home to several loan products, including auto loans, home mortgages and home equity lines of credit (HELOCs).

How do I speak to a live person at Chase Bank?

You can reach Chase Customer Service at 1-800-935-9935 Monday through Friday, 8 a.m. to 12 a.m. EST and Saturday and Sunday, 8 a.m. to 8 p.m. EST.

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Источник: https://www.forbes.com/advisor/banking/chase-bank-review/

Instant fraud: Consumers see funds disappear in Zelle account scam

Chrysanthi Rausch was taking a nap on her couch two months ago when she got a call from a number she didn't recognize.

On the other end of the line was a woman who said she worked for KeyBank, Rausch's local bank, calling to alert her of fraud in her account.

"They wanted me to verify my identity through a text code. So they sent me a text, and then I read the six numbers back," said Rausch, 30, of Columbus, Ohio.

That was all it took, she said, for the fraudsters to create a Zelle account in her name and gain access to both her checking and savings accounts — all within hours of their phone call.

The scammers had tricked Rausch into providing them with the code that the bank had sent her to confirm her identity.

"I woke up … and they had taken about $1,500 from my account," Rausch said.

Her case is hardly unique. NBC News talked to several consumers who said hackers stole anywhere from $190 to $6,400 from their bank accounts using Zelle.

The service is a digital payment network that is pre-built into many banking apps such as Chase Bank and Bank of America. Zelle links to a user's bank account and allows customers to send money to other people instantly using an email address or phone number.

But it turns out that Zelle's simplicity and speed, the features that make it attractive to consumers, have also drawn in a sophisticated pool of scammers. Thieves use spoofed calls, phone calls that look like they’re coming from an individual’s bank, and traditional hacking to access people's Zelle accounts, experts say.

"The fraud we're talking about today is a totally different kind of fraud," said Bob Sullivan, an author who tracks online bank scams, "where someone's access has been stolen just like if someone stole your username or password to your online bank."

"It's a simple proposition: the quicker the transaction is, the quicker a criminal can steal," Sullivan added. "This is almost engineered for crime."

All banking-related websites and apps are vulnerable to scammers. But experts say Zelle is a particularly appealing target because, unlike other peer-to-peer payment apps like Venmo, it's embedded within banking apps and automatically connected to user accounts.

"When it launched, there were ads screaming on TV over and over saying, ‘You can trust Zelle. It's backed by the banks. It's safe.' I mean they really traded on the safety of being associated with large banks," Sullivan said.

Zelle's popularity has soared since it launched an instant payment service in 2017. It's now the largest player in the person-to-person payment market by partnering with hundreds of financial institutions through their banking apps and even offering a standalone app.

Just last year, the Zelle network saw $119 billion transferred among its users, according to company data provided to NBC News.

Zelle and a number of smaller competitors have become the tech world's answer to a consumer market looking to pay from the convenience of their phones, one industry expert said.

"I think consumers want something that serves them in the same way that cash does," said Dayna Ford, senior director analyst for digital commerce payments at the research and advisory firm Gartner.

Ford said social experiences such as splitting the check at dinner offer an ideal scenario to use digital payment services, especially since paying someone through cash creates issues of exact change.

"You have the same sense of security as if I had handed you a $10 bill," Ford said, adding that the popularity of the smartphone has propelled the demand for quick payment options.

Many of the victims NBC News contacted said they were shocked to find fraud on their Zelle account because they hadn’t even heard of the service before getting hit with sham charges.

"I have never used Zelle," said Troy Hopkins, of Vancouver, Washington, who says he lost $6,400 to scammers who used Zelle to hack his account. "I didn't know about Zelle until I went on to my account and kind of searched around a little bit about how the money was taken out of my account, and I noticed Zelle there."

Cases like Hopkins’ are exactly what Sullivan said is most disturbing about this new wave of scammers.

"A year ago, for you to fall for a Zelle scam, you had to be a Zelle user," he said. "But this new scam, you've never heard of Zelle — you can still be a victim."

Fortunately for consumers, federal regulations require banks to fully reimburse any customer whose money is fraudulently stolen from an account. All the victims NBC News spoke with, including Rausch, were fully reimbursed by their banks, but many reported they had to make several calls and wait weeks for the money to be replaced.

In a statement, Early Warning Services, LLC., the network operator behind Zelle, said that the "potential for fraud" is a risk associated with all digital payment technologies.

"In cases where a consumer’s bank account or debit card have been compromised, and unauthorized Zelle payments made, consumers have rights under the Electronic Funds Transfer Act. We recommend they contact their bank immediately to determine an appropriate resolution," the statement read.

While Zelle also emphasized its current security features, such as identity verification and multifactor authentication, Sullivan said he isn’t convinced they will completely deter future attacks on consumer accounts.

"Criminals right now are trying to get around this second factor [authentication], so they have to hack your online bank account access, and they have to somehow essentially hack your text messages to get the answer," he said. "They can do that through social engineering like a phone call where they pose as the bank."

KeyBank, where Rausch is a customer, said it "has made the client's funds whole again" after she was victimized by a "phone call scammer who convinced her to provide information that enabled access to her account."

"KeyBank is taking proactive steps to help our clients prevent fraud attempts similar to this case by educating through direct email communications, investment in our security systems, and multifactor authentication," the bank added in a statement.

Chase said in a statement: "As with any other fraud, we reimburse our customers for fraudulent activity on their accounts. We've made significant investments in fraud detection and prevention technologies as well as customer education to help stay ahead of fraudsters."

Bank of America did not respond to a request for comment.

Zelle and the American Bankers Association shared the following tips to prevent the fraud:

• Change your security settings to enable multifactor authentication — a second step to verify who you are, like a text with a code — for accounts that support it.

• Don’t provide any personal information to anyone who calls or emails you out of the blue. Instead, use a trusted channel to contact the bank or company, like the phone number on the back of your credit or debit card.

• Sign up for text or email alerts offered by your bank to warn of suspicious activity on your account. Contact your bank immediately if you suspect fraud.

Sullivan said that last tip is the most important.

"We all get so many of these warnings that we ignore them, or they end up in spam," he said. "But right now, in particular, pay attention to those notes because if someone attaches a phone number to your bank account, that could very well be the first step to one of these Zelle frauds."

Vicky Nguyen is the investigative and consumer correspondent for NBC News. See her reports on "TODAY," "Nightly News with Lester Holt," and MSNBC.

Didi Martinez is an associate producer with the NBC News Investigative Unit. 

Joe Enoch

Joe Enoch is a consumer investigations producer with NBC News.

Michelle Tak

Michelle Tak is an associate producer with the NBC News Consumer Investigative Unit.

Источник: https://www.nbcnews.com/business/consumer/instant-fraud-consumers-see-funds-disappear-zelle-account-scam-n1015736

Zelle®

“Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A.  JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

"Chase Private Client" is the brand name for a banking and investment product and service offering, requiring a Chase Private Client Checking account.

Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

© 2021 JPMorgan Chase & Co.

Источник: https://www.chase.com/personal/zelle/receive

Welcome to TD Bank Personal Banking

Community means family.

I think that's what it's turned into.

I'm going to cry.

I don't know why.

Alright, your turn to talk.

Hey everybody.

Sam from Bonn Place Brewing Company here, and this is my wife.

I'm Gina.

Bethlehem is one of the greatest steel towns in America.

When manufacturing had a downturn Bethlehem had to reinvent itself.

When I first met Sam and Gina, they had this dream that they wanted to accomplish.

When we first signed our lease on this building, people were questioning it, like "you sure you want to open a brewery on the south side of Bethlehem in the current climate?"

We were certain that it was ready for what we wanted to do.

We needed a bit of help to get this place opened...and everybody needs help.

When anybody ever comes to us and says, "We need help. What can we do? We don't know how to get through this red tape."

We say, "This is what we did. This might help you."

We even went to City Hall for someone once.

This is the community we can change.

What we can change is right here and right now.

Sam and Gina are very passionate about working with women entrepreneurs.

It's hard to start a business.

One thing Sam and Gina have been able to achieve is share the lessons they've learned with other business owners and convince them, "hey, it actually is possible."

We want to see businesses succeed with the opportunities that we've had.

So what better way than to mentor them.

We're all in this together, and it's the bigger picture.

Bonn Place is a catalyst for the regrowth of this community.

They're also now helping other young entrepreneurs get started.

Sam and Gina sat down with us and gave us tips and tricks of what to do to get started.

We had this idea.

And they believe in us.

How much they're committed to the growth of Bethlehem as a whole.

That's the real story.

[Applause]

They are the last two people who would want this bestowed upon them, but they are the most deserving.

So we all want to gather here today and say thank you, because we value everything that you put into Bethlehem.

There's a little bit more.

So, the contribution we made to a female entrepreneurship program, in your name.

We're absolutely thrilled.

Next year, with this gift, we're going to be able to serve even more women entrepreneurs.

The integrity of this community is real strong.

This is just the beginning.

Источник: https://www.td.com/us/en/personal-banking/

Instant fraud: Consumers see funds disappear in Zelle account scam

Chrysanthi Rausch was taking a nap on her couch two months hotels near pinnacle bank arena lincoln ne when she got a call from a number she didn't recognize.

On the other end of the line was a woman who said she worked for KeyBank, Rausch's local bank, calling to alert her of fraud in her account.

"They wanted me to verify my identity through a text code. So they sent me a text, and then I read the six numbers back," said Rausch, 30, of Columbus, Ohio.

That was all it took, she said, for the fraudsters to create a Zelle account in her name and gain access to both her checking and savings accounts — all within hours of their phone call.

The scammers had tricked Rausch into providing them with the code that the bank had sent her to confirm her identity.

"I woke up … and they had taken about $1,500 from my account," Rausch said.

Her case is hardly unique. NBC News talked to several consumers who said hackers stole anywhere from $190 to $6,400 from their bank accounts using Zelle.

The service is a digital payment network that is pre-built into many banking apps such as Chase Bank and Bank of America. Zelle links to a user's bank account and allows customers to send money to other people instantly using an email address or phone number.

But it turns out that Zelle's simplicity and speed, the features that make it attractive to consumers, have also drawn in a sophisticated pool of scammers. Thieves use spoofed calls, phone calls that look like they’re coming from an individual’s bank, and traditional hacking to access people's Zelle accounts, experts say.

"The fraud we're talking about chase bank zelle contact is a totally different kind of fraud," said Bob Sullivan, an author who tracks online bank scams, "where someone's access has been stolen just like if someone stole your username or password to your online bank."

"It's a simple proposition: the quicker the transaction is, the quicker a criminal can steal," Sullivan added. "This is chase bank zelle contact engineered for crime."

All banking-related websites and apps are vulnerable to scammers. But experts say Zelle is a particularly appealing target because, unlike other peer-to-peer payment apps like Venmo, it's embedded within banking apps and spirit airlines phone number usa connected to user accounts.

"When it launched, there were ads screaming on TV over and over saying, ‘You can trust Zelle. It's backed by the banks. It's safe.' I mean they really traded on the safety of being associated with large banks," Sullivan said.

Zelle's popularity has soared since it launched an instant payment service in 2017. It's now the largest player in the person-to-person payment market by coldwell banker burnet plymouth mn with hundreds of financial institutions through their banking apps and even offering a standalone app.

Just last year, the Zelle network saw $119 billion transferred among its users, according to company data provided to NBC News.

Zelle and a number of smaller competitors have become the tech world's answer to a consumer market looking to pay from the convenience of their phones, one industry expert said.

"I think consumers want something that serves them in the same way that cash does," said Dayna Ford, senior director analyst for digital commerce payments at the research and advisory firm Gartner.

Ford said social experiences such as splitting the check at dinner offer an ideal scenario to use digital payment services, especially since paying someone through cash creates issues of exact change.

"You have the same sense of security as if I had handed you a $10 bill," Ford said, adding that the popularity of the smartphone has propelled the demand for quick payment options.

Many of the victims NBC News contacted said they were shocked to find fraud on their Zelle account because they hadn’t even heard of the service before getting hit with sham charges.

"I have never used Zelle," said Troy Hopkins, of Vancouver, Washington, who says he lost $6,400 to scammers who used Zelle to hack his account. "I didn't know about Zelle until I went on to my account and kind of searched around a little bit about how the money was taken out of my account, and I noticed Zelle there."

Cases like Hopkins’ are exactly what Sullivan said is most disturbing about this new wave of scammers.

"A year ago, for you to fall for a Zelle scam, you had to be a Zelle user," he said. "But this new scam, you've never heard of Zelle — you can still be a victim."

Fortunately for consumers, federal regulations require banks to fully reimburse any customer whose money is fraudulently stolen from an account. All the victims NBC News spoke with, including Rausch, were fully reimbursed by their banks, but many reported they had to make several calls and wait weeks for the money to be replaced.

In a statement, Early Warning Services, LLC., the network operator behind Zelle, said that the "potential for fraud" is a risk associated with all digital payment technologies.

"In cases where a consumer’s bank account or debit card have been compromised, and unauthorized Zelle payments made, consumers have rights under the Electronic Funds Transfer Act. We recommend they contact their bank immediately to determine an appropriate resolution," the statement read.

While Zelle also emphasized its current security features, such as identity verification and multifactor authentication, Sullivan said he isn’t convinced they will completely deter future attacks on consumer accounts.

"Criminals right now are trying to get around this second factor [authentication], so they have to hack your online bank account access, and they have to somehow essentially hack your text chase bank zelle contact to get the answer," he said. "They can do that through social engineering like a phone call where they pose as the bank."

KeyBank, where Rausch is a customer, said it "has made the client's funds whole again" after she was victimized by a "phone call scammer who convinced her to provide information that enabled access to her account."

"KeyBank is taking proactive steps to help our clients prevent fraud attempts similar to this case by educating through direct email communications, investment in our security systems, and multifactor authentication," the bank added in a statement.

Chase said in a statement: "As with any other fraud, we reimburse our customers for fraudulent activity on their accounts. We've made significant investments in fraud detection and prevention technologies as well as customer education to help stay ahead of fraudsters."

Bank of America did not respond to a request for comment.

Zelle and the American Bankers Association shared the following tips to prevent the fraud:

• Change your security settings to enable multifactor authentication — a second step to verify who you are, like a text with a code — for accounts that support it.

• Don’t provide any personal information to anyone who calls or emails you out of the blue. Instead, use a trusted channel to contact the bank or company, like the phone number on the back of your credit or debit card.

• Sign up for text or email alerts offered by your bank to warn of suspicious activity on your account. Contact your bank immediately if you suspect fraud.

Sullivan said that last tip is the most important.

"We all get so many of these warnings that we ignore them, or they end up in spam," he said. "But right now, in particular, pay attention to those notes because if someone attaches a phone number to your bank account, that could very well be the first step to one of these Zelle frauds."

Vicky Nguyen is the investigative and consumer correspondent for NBC News. See her reports on "TODAY," "Nightly News with Lester Holt," and MSNBC.

Didi Martinez is an associate producer with the NBC News Investigative Unit. 

Joe Enoch

Joe Enoch is a consumer investigations producer with NBC News.

Michelle Tak

Michelle Tak is an associate producer with the NBC News Consumer Investigative Unit.

Источник: https://www.nbcnews.com/business/consumer/instant-fraud-consumers-see-funds-disappear-zelle-account-scam-n1015736

What Is Chase Quickpay With Zelle?

Banking / Mobile

Concept of online shop, online shopping.

Monkographic / Getty Images/iStockphoto

The convenience, speed and security of peer-to-peer money transfer apps are here to stay within the financial landscape. An estimated 96 http bankofamerica com activate P2P transactions will take place in 2019 alone, according to eMarketer, a market research company. And banks like Chase have jumped on the bandwagon: In mid-2017, Chase replaced its previous Chase QuickPay app for a new Zelle-powered offering, called Chase QuickPay with Zelle. When you bank with Chase, you can leverage this partnership between Chase and Zelle to quickly and easily transfer money to family and friends — for free.

What Is Zelle?

Zelle is east and west egg necklace service that lets you make payments and receive money, either through the Zelle app or through participating bank apps. It is utilized by several financial institutions to compete with the standalone Venmo app, with a focus on being used within a bank’s own mobile app. Zelle’s security features ensure that Chase QuickPay with Zelle transactions are safe, and recipients who don’t already have an account at a participating financial institution can quickly sign up for a Zelle account to access the funds they receive.

Note that Chase QuickPay with Zelle is different from Chase Pay, which allows a customer to make payments using their phone at participating retailers and to redeem their Chase Ultimate Rewards points for a statement credit.

How To Set Up Chase QuickPay With Zelle

You need a Chase checking account to use Chase QuickPay with Zelle, and you must have a Chase.com login. Once you meet those requirements, you can enroll in Chase QuickPay with Zelle by following these vikings stadium cost in to the Chase website with your username and password. You can enroll on the website before continuing with the Chase QuickPay with Zelle process if you don’t already have an account.

  • Select the “Chase QuickPay with Zelle” from the “Pay & transfer” menu.
  • Review and accept the Chase QuickPay service agreement and privacy notice.
  • Verify your email address or mobile phone number via the one-time code that Chase will send to bank of america branch open on sunday the checking account or Chase Liquid card you wish to use to make your Chase QuickPay with Zelle payment.
  • Once you’ve completed the steps, you’re ready to request, receive and send money.
  • How To Send or Request Money How to close capital one checking account Chase QuickPay With Zelle

    Chase customers can access Chase QuickPay with Zelle through the Chase mobile banking app. To send money, simply enter the email address or mobile phone number of the person you wish to pay and the amount you’re sending. Send money to or request money from anyone by following these five simple steps:

    1. Sign in to the Chase Mobile app.
    2. Select either “Send Money” or “Request and Split Money” in the “QuickPay with Zelle” tab of the navigation menu.
    3. Choose an existing recipient from your contacts or add a new one.
    4. Check the payment information for accuracy.
    5. Tap “Send Money” or “Request Money.”

    You’ll receive a confirmation that the transaction was successful, and the recipient will receive instructions on how to complete the process and claim the money. If you’re requesting money, the party on the other end of the transaction will get a notification.

    Timing for Payments

    When you send a payment to someone using Chase QuickPay with Zelle, it’s helpful to know when the payment might arrive:

    • For recipients with a Chase account, the money usually arrives within minutes, but no later than the next business day.
    • For recipients who bank at a different Zelle member bank that supports real-time payments, the transaction typically takes only minutes. Otherwise, the funds are available within one to two business days.
    • For recipients who bank at a financial institution christmas tree in the park san jose is not a Zelle member, funds should be available within one to two business days, depending on the bank’s processing times.
    • Recipients who are using the Zelle app will get the money soon after it’s sent, according to Chase.

    For assistance with Chase QuickPay with Zelle, call 877-242-7372 in the U.S. or 713-262-3300 outside the U.S.

    Sending Limits for Chase QuickPay With Zelle

    Chase QuickPay with Zelle transfers money electronically to and from your bank account. Although you’re able to receive unlimited amounts of money, there are some limits on what you can send:

    • Chase personal checking account or Chase Liquid card: The limit is $2,000 per single transaction, up to $2,000 in one day, and no more than $16,000 in a calendar month.
    • Business checking accounts: Single transactions are limited to $5,000, up to $5,000 in one day, with a $40,000 cap per calendar month.
    • Chase Private Client and Private Banking client accounts: Single transactions are limited to $5,000, up to $5,000 in one day, with a $40,000 cap per calendar month.

    Chase QuickPay with Zelle is free for both sending and receiving money. The only charge is any applicable data usage or message first premier bank near me imposed by your mobile carrier.

    One important distinction between the Chase QuickPay app that’s powered by Zelle and Chase Online Bill Pay is that Zelle is only meant for peer-to-peer transactions. To schedule one-time or ongoing payments for expenses like rent, utilities, car payments and credit card bills, you must use the bill pay service.

    Tips for Safely Using Peer-to-Peer Payment Apps

    Chase QuickPay with Zelle isn’t the only peer-to-peer payment app — and it’s certainly not the first. That designation would go to PayPal, which has been around since December 1998. In the two-plus decades since PayPal made its debut, plenty of other P2P payment apps have cropped up: Venmo (which is a subsidiary of PayPal), Cash App, Apple Pay and Google Pay are all players in the P2P payment game. You can even make peer-to-peer payments via Facebook Messenger. In today’s world, there’s really no excuse not to split the bill the next time you’re out for lunch with friends. With so many options out there, it’s important to consider the potential risks of using these payment apps.

    When you send money via P2P apps, you must be diligent about sending the money to the right person. Always double- or triple-check the contact information of the person you are sending the money to. You might also want to let them know in advance that you’re sending funds their way. Before you tap the “Send Money” button, make sure you’re sending the correct amount. It’s not outside the realm of possibility to accidentally send $1,000 rather than $10.

    The Chase website offers this disclaimer: “Make sure you send money to people you know and trust in order to avoid scams and protect your account. We don’t protect or cover purchases if you use QuickPay to pay for goods or services.”

    Keep reading to find out how to locate your nearest Chase branch.

    Erika Giovanetti contributed to the reporting for this article.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.

    Editorial Mijn creditcard online abn amro This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

    About the Author

    Barb Nefer has been writing professionally for nearly 30 years, cutting her teeth as a news writer for the Daily Southtown in Chicago. She's a doctor of psychology, and her eclectic expertise includes personal finance, psychology, travel and the pet industry. Her work reflects that diversity, with pieces appearing in places like About.com, CBS Local, Yahoo.com, WebPsychology, and Animal Wellness magazine.

    Источник: https://www.gobankingrates.com/banking/mobile/what-is-chase-quickpay-zelle/
    Zelle". www.zellepay.com. Retrieved 2021-06-11.
  • ^"Instant fraud: Consumers see funds disappear in Zelle account scam; The digital payment service embedded in banking apps has made it easier for thieves to access funds in personal checking and savings accounts, experts say," June 11, 2019, NBC News, retrieved February 15, 2020
  • ^Sullivan, Bob (fraud researcher), "Zelle Fraudsters Find New Victim Pool: Consumers Who Don’t Even Use Zelle," April 23, 2019, Yahoo! Finance, (which notes: "criminals have [apparently discovered] a way to open Zelle accounts [which are] attached to [bank customers'] existing bank accounts. [to] send money to themselves.") retrieved February 15, 2020
  • ^"Early Warning: Complaints: Better Business Bureau® Profile," (222 complaints, several with Zelle corporate responses, last one dated Sept. 11, 2019), Better Business Bureau, retrieved February 11, 2020
  • ^"How scammers use Zelle to drain your bank account; Two Cincinnati professionals fall for slick scam," October 18, 2019, WCPO (Cincinnati, Ohio), Scripps Media, Inc., (also at: "Scary bank scam uses Zelle to drain your account; New money transfer app lets scammers pull out money," Oct 30, 2019, The Denver Channel), retrieved February 15, 2020
  • External links[edit]

    Источник: https://en.wikipedia.org/wiki/Zelle_(payment_service)

    Zelle®

    “Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A.  JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.

    Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.

    J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

    "Chase Private Client" is the brand name for a banking and investment product and service offering, requiring a Chase Private Client Checking account.

    Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

    © 2021 JPMorgan Chase & Co.

    Источник: https://www.chase.com/personal/zelle/receive

    Chase Bank Review

    Chase Bank, JPMorgan Chase & Co.’s consumer banking arm, is one of the nation’s largest full-service banks. It offers a broad range of financial products and services to individuals and businesses. In addition to checking, savings and CD accounts, Chase is well known for its extensive credit card offerings, including popular travel rewards and cash back credit cards. With options for adults, students and kids, Chase has accounts to fit most needs.

    You can find Chase Bank branches and ATMs across the country, and it also maintains a robust online presence. This review focuses specifically on personal banking solutions offered by Chase Bank.

    Account details and annual percentage yields (APYs) are accurate as of April 23, 2021.*

    Account Basics

    Checking

    Chase Bank offers a robust selection of checking accounts to meet varying banking needs. Like its savings accounts, most of Chase’s checking accounts feature a monthly service fee. Chase generally offers ways to waive these fees, though.

    Chase labels three of its checking accounts as “everyday” checking accounts. All three accounts offer access to nearly 16,000 ATMs and more than 4,700 branches nationwide. Each account offers online banking, online bill pay and mobile banking, as well as automatic transfers to Chase savings accounts.

    The most popular of these accounts, according to Chase, is Chase Total Checking®. This account has a monthly maintenance fee of $12, which can be waived by meeting certain requirements. The account comes with a complimentary debit card. Be aware that Chase charges a $2.50 fee chase bank zelle contact time you use a non-Chase ATM on top of the ATM owner’s charges.

    The other two everyday checking accounts are Chase Secure Banking℠ and Chase Premier Plus Checking. Chase Secure Banking has a monthly fixed fee of $4.95. Chase Premier Plus Checking has a monthly maintenance sync amazon fire stick remote of $25, which can be waived by meeting certain requirements.

    Two premium accounts, Chase Sapphire Banking and Chase Private Client Checking waive fees for non-Chase ATMs and for personal design checks. They also offer higher limits on Chase QuickDeposit℠ and Zelle® money transfers, fewer fees on specific services, and exclusive sports and entertainment benefits.

    Both Chase Premier Plus Checking and Chase Sapphire Banking are interest-bearing accounts. Like most Chase accounts, the interest rates are well below the competitive rates offered by online banks. Premier Plus Checking has no fee for the first four non-Chase ATM transactions each statement period. Chase Sapphire Banking waives all fees for non-Chase ATM use.

    One of the better offerings from the banking giant is Chase College Checking. The account is designed for college students ages 17 to 24. There is no monthly service fee for college students for up to five years while you attend school, provided you show proof of your student status. The account comes with a free debit card and account access online and through Chase’s mobile app.

    Chase also offers a High School Checking account (ages 13 to 17) and Chase First BankingSM, a parent-owned account for children ages six to 17.

    Below is a breakdown of all of Chase’s checking account offerings.

    Savings

    Chase Bank has two savings account offerings: Chase Savings and Chase Premier Savings. Neither chase bank zelle contact offers competitive rates, especially when compared with savings rates at many online banks.

    Chase Savings is a basic interest-bearing savings account that earns a meager 0.01% APY on all balances. The account carries a $5 monthly maintenance fee, but it can be waived if you meet one of the following monthly criteria:

    • Maintain a $300 balance or more at the beginning of each day
    • Have $25 or more in Autosave or other recurring automatic transfers from a Chase personal checking account
    • You’re younger than 18 years old
    • Have a linked account from select Chase bank accounts

    Chase Premier Savings features a $25 monthly management fee, but it can be waived by meeting one of these two monthly requirements:

    • Maintain a $1,500 balance or more at the beginning of each day
    • Have a linked Chase Premier Plus Checking or Chase Sapphire Checking account

    The Premier Savings account offers tiered interest rates based on the account balance and whether you qualify for its relationship rates. Chase Premier Savings’ standard rate is 0.01% APY, but you can earn up to 0.05% APY if you have a linked Chase Premier Plus Checking or Chase Sapphire Checking account and meet monthly transaction requirements.

    The account charge a $5 fee for select transactions over the limit of six per month.

    CDs

    Chase Certificates of Deposit are available in a host of term lengths, ranging from one month to 10 years. Opening a CD through Chase requires a $1,000 minimum deposit. The standard CD rate is 0.01% APY for all term lengths. Customers with a linked Chase checking account are eligible for higher relationship rates based on term length and account balance.

    Chase also offers special CD ladder rates for Chase Private Client customers who open four CDs of varying term lengths simultaneously for the same amount.

    Depending on term length, withdrawals from Chase CD accounts are subject to early withdrawal chase bank zelle contact up to 365 days of interest on the amount withdrawn (up to the jaam hathon se chalakne na dunga old song amount of interest earned during the current CD term). CDs automatically renew once they reach maturity. Customers can renew their CD, add funds, change terms or withdraw funds during the 10-day grace period following the maturity date.

    CDs can be a great way to grow your savings over time, especially if you have funds you don’t need to access for a while.

    Here are the current CD terms and rates available through Chase.

    Other Accounts and Services

    As mentioned, Chase offers full-service banking. Along with its bank accounts and credit card offerings, Chase is also home to other financial products like:

    • Auto loans
    • Home mortgage loans
    • Home refinancing
    • Home equity lines of credit (HELOCs)
    • J.P. Morgan wealth management and investment planning
    • Business banking, including checking, credit cards and merchant services
    • Commercial banking solutions

    Access on the Go

    Chase customers have access to the highly rated Chase mobile app. Available for iOS and Android, Chase’s mobile app offers 24/7 management for all of your Chase and J.P. Morgan accounts. The app gets 4.8 stars out of 5 on the App Store and 4.4 stars out of 5 on Google Play.

    Mobile app features include:

    • Account management
    • Electronic transfers
    • Mobile check deposit
    • Bill pay service
    • Zelle compatibility
    • Wire transfers
    • Automated savings
    • Account alerts and notifications
    • Card lock

    Chase customers also can access their accounts at any time online. Customer support is available via phone by calling 1-800-935-9935. You also can get help by messaging Chase on Facebook, or Twitter at @ChaseSupport.

    For those looking for local banking support, Chase currently operates over 4,700 local branches and 16,000 ATMs across the U.S.

    Pros

    • Over 4,700 branches and 16,000 ATMs nationwide
    • Frequently offers bonuses to new customers who open accounts
    • Highly rated mobile app

    Cons

    • Low interest rates on CDs, savings and checking accounts
    • Monthly fees with most accounts if you don’t qualify for waivers
    • ATM fee at out-of-network ATMs with Chase’s basic accounts

    How Chase Bank Stacks Up

    Chase Bank offers ample banking products to meet the needs of most individuals. Still, low interest rates keep it from being how to solve a rubiks cube viable option for people who want to maximize their chase bank zelle contact. Monthly service fees are also an issue for those who don’t want to pay for banking services, although most fees can be waived if you can meet specific monthly requirements.

    Chase maintains a strong digital footprint with its popular mobile app and online banking platform. Yet, it still offers an extensive local presence for individuals who prefer in-person banking services. If you can avoid the monthly fees, Chase is a solid option for your personal banking needs.

    Frequently Asked Questions (FAQs)

    Is Chase Bank FDIC insured?

    Yes, all Chase bank accounts are FDIC insured (FDIC# 628) up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

    Chase Bank employs numerous safety measures to ensure its customers’ safety. Security measures include the latest encryption technology, multiple authentication checks and account activity monitoring.

    Does Chase Bank offer any loans?

    Yes, Chase is home to several loan products, including auto loans, home mortgages and home equity lines of credit (HELOCs).

    How do I speak to a live person at Chase Bank?

    You can reach Chase Customer Service at 1-800-935-9935 Monday through Friday, 8 a.m. to 12 a.m. EST and Saturday and Sunday, 8 a.m. to 8 p.m. EST.

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    Источник: https://www.forbes.com/advisor/banking/chase-bank-review/

    FAQs

    WHAT IS ZELLE®?

    Zelle is an easy way to send and receive money from friends, family and people you know and trust. With just an email address or U.S. mobile phone number, you can quickly, safely and easily send and receive money with almost anyone who has an eligible U.S.-based bank account.

    WHAT SHOULD ZELLE BE USED FOR?

    You can use Zelle to send money to almost anyone with an eligible U.S.-based bank account. Eligibility requirements may vary depending on where your recipient banks.

    Zelle should be used to send and receive money from people you know and trust, such as: your family, friends, babysitter, neighbor, or a coworker. If you don’t know the person (for example, paying for items for sale online), we recommend you do not use Zelle for these types of transactions. These transactions are potentially high risk and neither Wintrust Community Banks nor Zelle offer a protection for any purchase or sale conducted using Zelle. 

    WHAT IS THE DIFFERENCE BETWEEN ZELLE AVAILABLE THROUGH THE .COMMUNITYMOBILE BANKING APP AND THE ZELLE STAND-ALONE APP?

    Wintrust Community Banks partnered with Zelle to offer a unique experience to our customers that is only available through the .communityMobile Banking downloadable app.

    Zelle is also available through a separate mobile app that is not operated or maintained by Wintrust Community Banks; instead, it is owned and operated by Chase bank zelle contact Warning Services LLC, a third-party entity. 

    HOW FAST IS MONEY SENT WITH ZELLE?

    With Zelle, funds are typically available to an enrolled recipient within minutes. However, for unenrolled recipients it may take up to three days before the funds may be available.

    IS THERE A FEE TO USE ZELLE?

    No, there is no fee for Wintrust Community Bank customers using Zelle to send or receive money.

    WHO IS ELIGIBLE TO USE ZELLE?

    In order to use Zelle within the .communityMobile Banking app, you must have a Wintrust Community Bank consumer checking account as well as a valid email address or U.S. mobile number. Wintrust Community Banks currently don’t support sending money via Zelle using savings and money market accounts.

    WHAT HAPPENS WHEN I ENROLL WITH ZELLE?

    When you enroll with Zelle using the .communityMobile Banking app, we establish a connection between your email address or U.S. mobile phone number and your eligible Wintrust Community Bank checking account. When you send or receive money with Zelle, the funds will automatically be directed to and from your Wintrust Community Bank enrolled checking account.

    CAN I BE ENROLLED IN ZELLE AT MORE THAN ONE BANK?

    The email address or U.S. mobile number you use with Zelle can only be used with one bank at a time. If you have another email address or U.S. mobile number available, you can enroll it in Zelle with another bank.

    If your email address or U.S. mobile number is already enrolled with Zelle through another bank and you want to transfer the enrollment over to Wintrust Community Bank there are a few ways you can do that:

    • When you first enroll in Zelle within .communityMobile Banking app
    • By going to the Zelle profile settings on the .communityMobile banking app 

    CAN I CHANGE MY EMAIL ADDRESS, U.S. MOBILE NUMBER, OR CHECKING ACCOUNT I HAVE LINKED TO MY ZELLE PROFILE?

    Yes, to change your email address, U.S mobile number, or checking account linked to your Zelle profile, visit your Zelle profile settings on the .communityMobile banking app. 

    WHAT HAPPENS IF I SEND MONEY TO SOMEONE USING ZELLE AND THEY NEVER ENROLL IN ZELLE?

    If you send money to someone using Zelle and they do not respond within 14 days, we will cancel the transaction. The money will not be deducted from your checking account until your recipient completes enrollment with Zelle.

    CAN I CHANGE OR CANCEL A ZELLE PAYMENT ONCE I HAVE SENT IT?

    You cannot change or cancel a Zelle payment once you sent it. If your recipient has already enrolled with Zelle, the money is sent directly to your recipient and cannot be canceled.

    If your recipient hasn’t yet enrolled with Zelle, they will receive an invitation to enroll. If they do not enroll in Zelle within 10 days, the transaction will be canceled. The money will not be deducted from your checking account until your recipient completes enrollment with Zelle.

    ARE THERE LIMITS TO THE AMOUNT OF MONEY I CAN SEND AND RECEIVE?

    There are no limits to the amount of money you receive. Wintrust Community Banks have established a send limit of $2,000.00 per transaction with a maximum of $2,000.00 per day. We reserve the right to change the transaction limits at any time. All transfer limits are subject to temporary reductions to protect your account.

    Источник: https://www.wintrust.com/lp/2018/zelle/zelle-faqs.html