About Us

ABOUT EARLY WARNING®

A network built to move money with purpose.

 

1

ABOUT EARLY WARNING®

A network built to move money with purpose.

 

1

ABOUT US

When money moves, life happens®

 

As the company behind Zelle® and PazeSM, Early Warning powers payments, helps prevent fraud and aims to build trust at scale. We provide the intelligence, innovation and network that more than 2,500 financial institutions, government agencies, and businesses rely on every day. At the same time, it’s important for consumers and organizations to play their part by staying alert. That’s why we are committed to making an impact with consumer fraud prevention education.

OUR COMMITMENT

Early Warning is committed to providing awareness, education, and enablement around fraud prevention.

S.A.F.E. Squad Consumer Education

A Zelle® partnership with Vox Media® educating about safe payment practices to avoid online scams.

Zelle Safety Consumer Resources

A resource to empower consumers with knowledge on using Zelle® safely and avoiding common scams.

Consumer Education on Fraud vs. Scams

An eBook with guidance on knowing the difference between fraud and scams.

OUR STORY

Over 30 years of building trust, one transaction at a time.


What began as a consortium of banks sharing fraud insights has grown into a secure network that's an integral part of the U.S. financial ecosystem. Today, our data intelligence helps institutions stop fraud before it's too late and enable seamless, secure money movement. But security is never ours alone—institutions and consumers all play a role in keeping transactions safe. Together, we can keep money moving with confidence.

  • 2024–2025 | Online Checkout

    • Launched PazeSM, online checkout solution that simplifies the customer experience.

  • 2022–2024 | Expanding Education

    • Launched S.A.F.E. Squad consumer fraud and scam education campaign to tens of millions of Americans.
    • Ongoing education and enablement for consumers of all ages through partnerships with the Better Business Bureau, National Council on Aging, HerCampus Media and more.

  • 2019–2021 | Enhanced Products

    • Enhanced Zelle® network with new user experiences and features.
    • Added Risk Insights for Zelle®.

  • 2015–2018 | Authentication & P2P Payments

    • Offered layered multi-factor authentication via a single integrated platform.
    • Introduced Zelle® network.

  • 2013–2014 | Mobile Solutions

    • Enhanced mobile suite with nearly a dozen new releases.

  • 2010–2012 | Enhanced Fraud Protection

    • Provided high-risk transaction alerts to ID theft agencies, among others.
    • Introduced asset verification services.

  • 2006–2009 | Identity Risk Management

    • Introduced the Early Warning brand and became wholly bank-owned.
    • Added identity risk solutions and real-time check deposit and account opening services.

  • 2001–2005 | New Account Opening

    • Added a new account fraud detection service and fraud data sharing.

  • 1990s | Deposit Risk Management

    • Banks develop model to share data to mitigate deposit losses and form an independent company to steward this data on behalf of the banking industry.
    • Launched our first check deposit and check payment validation products.

A network built to scale and designed to protect.

+90%

Of U.S. bank consumers covered by actionable identity insights

$10.8T

In annual payments screened

95%

Of the Zelle® network are community banks and credit unions

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