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Peer-to-peer (P2P) payment methods such as Venmo, PayPal and Zelle have become increasingly popular as convenient apps allowing you to send money to friends and others. They work by connecting to your credit union account creating a platform for sending or accepting payments, instantly. While these payment apps are handy, users should be aware that there are some risks associated with using the apps. 

Purchases made using your 1st Nor Cal Debit or Credit Card feature our Zero Liability policy which protects you in the case of fraud or payments made in error. P2P payments on the other hand, offer little or no protection, which means if you accidentally pay the wrong person or make a payment in exchange for a product or service you do not receive, you are likely not to be reimbursed. 

Your best protection using P2P payment apps is to limit use to people you know and trust. Additionally, always be vigilant in protecting your personal information, your bank and credit union account information and of course all passwords and login information. 

You can learn more about 1st Nor Cal Credit Union’s Credit and Debit Card Zero Liability policy here: