Do not use Zelle to send/receive money. At least through Chase you will receive absolutely no protection.
If accepting a check of any kind wait a minimum of 3 days after the bank says it has cleared. I've had my bank tell me a check cleared, made the funds available to me only to find my bank had not yet received information from the buyer's bank where the check came from. I even called Chase and asked them if the check had cleared. They said yes. When I asked for their help they couldn't or wouldn't give it. Your bank will make funds available as a courtesy to you. That doesn't mean the check was good. The check given to me was supposedly a cashiers' check, another thing I thought was a better guarantee. It was a fake.