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Never pay down a deposit in a bank account until you have met the seller, seen signed a purchase agreement. No serious private advertisers ask for a down payment before you meet. Receiving an email with an in-scanned ID does not mean that you have identified the sender. You do this on the spot, when you sign a purchase agreement.
Sending money utilizing a linked checking account or debit card is free. It combines cash transfers with a social feed where you probably can see (or share) transaction activity, although you presumably can set funds to private. To use Zelle, you have to enroll through a collaborating financial institution or credit un...