Payment guide · ACH and wire transfers
Bank transfers:
pay with a clearer picture.
Verify new payment instructions independently, even if the message looks like an existing conversation.
Before you send
- Call a known contact before paying changed account details.
- Be cautious with urgent instructions to move money to a new account.
- Check what kind of transfer you are making; ACH and wires are different.
Understand the limits
Cancellation, recall, and error-resolution options vary with the transfer type and facts. A recall request does not ensure a return. Ask your bank which process applies and report suspected fraud immediately.
If something goes wrong
Contact your bank’s fraud team using its official app or the number on your card. Ask about stopping or recalling the transfer and preserve all instructions and references.
FTC transfer guidanceYou’ll leave this site for an official resource. We do not receive your report.
Patterns to recognize
Sources & further reading
- FTC · What to do if you were scammed Government guidance
- FTC · Calls about fraud on your bank account Government guidance
Reviewed October 27, 2026. Provider terms and support routes can change.