[tempsy]

Double edged sword IMO. If you use Zelle and off a digit in a phone number or email you are out of luck. No way to recover funds once sent.

[nickjj]

If you send it to an email address that doesn't exist, does the transfer go through? If so who ends up with the money?

It's been a while since I sent funds to a new address but I am pretty sure my bank's UI provided protection against that, and now when I send future funds to the same account, I just pick them from a drop down box instead of entering it manually.

[tempsy]

No - it’s more dangerous with a phone number, which is how I usually send/receive.

Much, much safer way to use Zelle is to ask the receiver to request a payment from you and then accept the request.

[nickjj]

That's a good idea in both cases.

Although I'm guilty of just sending funds direct but only through email addresses which I usually copy / paste straight from what someone wrote to me.

[vinay427]

It cancels after a few weeks (IIRC) of remaining unclaimed.