ZELLE FRAUD PROTECTION
Know the signs of fraud
Help prevent fraud on your Zelle app by spotting trouble before it happens.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.
A common text money-transfer scam
A criminal will send a Zelle user a text message that appears to be from the user’s bank. The message alerts the Zelle user to a suspicious transfer and asks them to confirm the account activity. Then, either through a link that the Zelle user clicks or with a follow-up phone call, the scammer will ask the Zelle user to confirm their identity by verifying their Zelle username and password. Once the scammer has that information, they can use it to transfer money out of the victim’s account via a Zelle transfer.
How M&T customers can help avoid a Zelle scam
M&T will never include a clickable link. Even if you are expecting a text from M&T, never click on a link. This could give hackers access to your device and personal data.
If you've opted into M&T Alerts, service, you may receive legitimate text messages that your available balance is above or below a certain amount or that an account withdrawal has been made above a threshold you've specified.
We may alert you of suspicious activity or a PIN change. In none of these scenarios would M&T ask you to click a link or provide personal information.
If you've interacted with a Zelle app scam, notify M&T immediately by calling 1-800-724-2440 or visit the Report Fraud page. We're here to help prevent damages from escalating, to increase the chance of recovering losses and have solutions to mitigate the risk of account takeover.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Help protect your account with real-time fraud monitoring. Sign up for M&T Alerts, to receive timely updates about spending and suspicious activity via text or email.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking. Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.