Neither TowneBank nor ZelleÂ offers a protection program for any authorized payments using ZelleÂ.
Please remember: While ZelleÂ is a great way to send money to family, friends and people that you know and trust (such as your personal trainer, roommate, babysitter or a neighbor), we recommend you do not use ZelleÂ for potentially high-risk transactions (for example, if you don't know the person) or aren't absolutely certain you'll get what you paid for (for example, items bought from an online bidding or sales site).