Mobile Payment Security

Safely Use Payment Apps
Fraud Prevention

Safely Use Mobile Payment Apps and Services

Online payment systems or apps like Zelle, Venmo, and CashApp let you quickly send and receive money. If you link the service to your bank account or debit card, it’s almost like handing someone cash. So be sure you know who you’re sending money to. Once you send money, it’s nearly impossible to get it back.

Avoid Sending Money to a Scammer

Don't click on links in an unexpected email, text message, or direct message that asks you to send money. Never give any personal or sensitive information like your username, PIN, or password. Remember - a bank will never ask you for this!

Visit this page to learn how mobile payment scams work.

Confirm that you know the person you're sending money to.

When sending to someone you know, double-check their information before you hit send. Be aware that many people may not be who they say they are  so always verify the recipient using their known contact information.

Protect Your Accounts

  • Use multi-factor authentication. This means you need two or more credentials to get into your account: your password plus something else like an authentication code or fingerprint.
  • Never share your credentials, like a verification code you get via text or authentication app or your online banking password.
  • Set up alerts to get transaction notifications outside of the app environment, such as via email or text.
  • Regularly check your payment app and bank accounts to make sure no unauthorized payments have been sent from or accepted by your account.

Paid a Scammer Through a Payment App?

  1. Call your bank immediately - at AMNB, you can report fraud 24/7 by calling 1.800.240.8190.
  2. Report it to the payment app or service and ask to reverse the transfer.
  3. Report it to the Federal Trade Commission at