Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.    Since money is sent directly from your bank account to another person’s bank account within minutes, Zelle should not be used to send money to people you don’t know or trust. Zelle should not be used for the purchase of goods. Neither Zelle nor First Citizens offer a protection program if you do not receive what you paid for or the item you receive is not as described or as you expected.