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ZayZoon Customer Awareness and Education Program

ZayZoon is committed to protecting our customers’ information. Our top priority is to safeguard your confidential information and we work diligently to do so.

ZayZoon will never request your password, username, or banking information by text, email, or phone. Our top priority is to safeguard your confidential information and we work diligently to do so.

How to Contact Us

ZayZoon can be reached through our live chat at Do not hesitate to contact us immediately to report any of the following:

  • General inquiries about your ZayZoon account

  • Lost or stolen Email or Password

  • Receipt of suspicious or fraudulent mail, email or websites related to ZayZoon

If you suspect there has been any fraudulent activity on your account, please contact us immediately. The sooner you do so, the better able we are to assist you.

Internet Banking Security

ZayZoon uses the latest technology to secure your information when transmitted over the Internet. Encryption standards such as SHA256-RSA and trusted certificates are used to protect your information when transferred between your computer and ZayZoon.

In addition to the security features managed by ZayZoon, here are some things you can do to protect your information:

  • Watch out for suspicious emails that ask for your personal information. If you receive an email from us and are unsure whether it is legitimate, then please contact us and we will be glad to assist you. If you are suspicious of an email, from ZayZoon or anyone else, do not click on any links in it.
  • Never share or give out your User Name and Password. ZayZoon will never request this by email, phone, or text.
  • Do not use personal information as your Password.
  • Create hard-to-guess passwords that include upper & lower case letters, numbers and special symbols.
  • Change your passwords frequently and don’t use the same ones from before. A password manager can be a helpful service.
  • Avoid using public computers and WiFi to access your ZayZoon account.
  • Do not provide any personal information to web sites that do not use encryption or other secure methods of protection.
  • Ensure that your computer is equipped with up-to-date Anti-Virus software.
  • Ensure your computer and mobile device have the latest software version.


Commercial Banking Internet Security

In addition to the information provided regarding “Internet Banking Security”, employers should institute additional measures in order to further protect their online banking information. For example:

  • Perform your own annual internal risk assessment & evaluation on all online accounts.
  • Establish internal policies regarding employee internet usage.
  • Ensure all company computers are equipped with up-to-date antivirus protection software.


What is Identify Theft?

Identify theft occurs when someone uses your personal information such as your Social Security number, account number or credit number, without your permission, to commit fraud or other crimes. Protect yourself by:

  • Reporting any fraudulent activity you see on your account
  • NEVER give out any personal information
  • Shred all documentation that contains confidential information (i.e. bank and credit card statements, bills and invoices that contain personal information, expired credit cards and pay-stubs).
  • Check your credit report annually


Check Your Credit

ZayZoon does not report your activity to any credit agencies.  However, your credit report can be a good way to keep your identity safe.  Any consumer can request one free copy of his or her credit report every year. Reviewing your credit report can help you find out if someone has opened unauthorized financial accounts, or taken out unauthorized loans, in your name. 

Contact the three major credit bureaus – Equifax (1-800-685-1111), Experian (1-888-397-3742) and Trans Union (1-800-916-8800) to request a copy.

Mobile Banking Safety Tips

Managing your finances using a smartphone or tablet can be very convenient. However, you should consider these safety tips to protect your account information:

  • Be proactive in protecting your smartphone and/or tablet by installing anti-malware software on the device.
  • Research any application (app) before you download it. Fraudulent apps are often designed with names that look like real apps. It’s best if you access an app using a link from the provider’s website.
  • Create a strong password or PIN for your mobile app and your device.
    • Use at least eight characters
    • Do not use your username, real name or company name
    • Do not use a complete word
    • Make it significantly different from previous passwords
    • Use a character from each of the following categories (some apps may limit symbols)
    • Uppercase letters
    • Lowercase letters
    • Numbers
  • Use an auto-lock or time-out feature so your device will lock when it is left unused for a certain period of time.
  • Upgrade your device to the latest operating system version.
  • Do not jailbreak or root your mobile device. Doing so exposes the security controls and makes your device vulnerable to cyber-attacks.
  • Check your account history periodically to make sure there are no fraudulent transactions.
  • Take precautions in case your device is lost or stolen, before your device is lost or stolen. Avoid leaving your device unattended in public places.
  • Consult your wireless provider to see if they provide a service to remotely erase your device or turn off access to your device and/or account in the event your device is lost or stolen.
  • Always conduct your transactions in a safe environment. Use your cellular service or your own internet provider rather than unsecured/public Wi-Fi networks like those offered at coffee shops.
  • Don’t send account numbers or PIN in emails or text messages, because those methods are not necessarily secure.

Additional information and tips on how to safe-guard your online security are available at:

Consumer Information: Identity Theft

Consumer Information: Wiring Money

Protecting Your Business: Start With Security

Consumer Action: Complaints

FDIC Consumer Protection

US Department of Homeland Security

Federal Communication Commission - Business Cyber-planner

Federal Trade Commission: Identity Theft by Mobile Phone

Federal Trade Commission: Tips for Using Public WiFi Networks