United Bank Security Center

Security Center

Financial Fraud Awareness

Protect Yourself from Financial Scams and Know the Signs


Pay Yourself Scam

Scammers are always creating new ways to steal your money. One of the recent scams utilizing peer-to-peer payment services is what’s known as the “Pay Yourself Scam.”  The gist of the scam is that someone pretending to be a representative from United Bank tells you that there has been a fraudulent transaction and in order to stop it, you need to send yourself money with Zelle®.

While United Bank may send you a text alert to prevent unusual activity, we will never contact you to request that you send money using Zelle® to anyone, including yourself, or to share a code to resolve fraud. If you receive a request like this, it is likely a scammer trying to trick you.

Know What to Look For

  • It starts with a text message from a scammer that looks like a fraud alert from your bank or credit union. It’s looks real and urgent!
  • If you respond to the text message and engage the scammer, you’ll receive a call from a number that may appear to be your bank or credit union.
  • The scammer pretends to be calling from your bank or credit union and offers to stop the alleged fraud by directing you to send yourself money with Zelle®.
  • In reality, the scammer is tricking you into sending money to their bank account.

Please watch this educational video from Zelle® to learn about the trending scam.  If you detect suspicious activity regarding Zelle®, hang up and contact Customer Care, at 800.327.9862.

Fraudulent Calls or Text Messages Appearing From United Bank

Never release sensitive information over the phone when receiving an unsolicited call.

Sensitive information may include full or partial Social Security number, card PIN number, one-time passcodes, online banking user ID, online banking password, or online banking security questions.

Scammers use this information to reset credentials and take over online banking accounts. If you receive an email or text message confirming a change on your account that you did not make, please contact our Customer Care immediately.

If you are a victim or if you have further questions or concerns, please call United Bank’s Customer Care immediately at 800.327.9862 or call the number on the back of your card.

DO NOT use the number on the caller ID screen and hit redial.

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Any educational tools, calculators, guides and other content available on this site are for informational purposes only. These materials are not intended to provide personalized legal, investment or financial advice for your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. United Bank does not provide, endorse nor guarantee any unaffiliated third-party product, service, information, educational tool or recommendation available through links from this website. The third parties providing products and services available through this website are solely responsible for their products, services, information, recommendations and all other content on their websites. Be aware that by responding to offers advertised on third party websites, you may be communicating information about yourself to the company that provides such product or services—for example, that you are a United customer. These third parties may have a different privacy policy than United’s, and their websites may also provide less security.

Zelle: Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. It's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.