It's not always a bad thing when the spouse keeps tabs on the other's spending, because for David McCarty, his wife's vigilance might've saved them a fortune.

"She just happened to look at the savings account, which should have no activity," McCarty explained. "She said, 'Dave, have you been transferring money using Zelle to Tampa, Florida?'"

The answer was an emphatic "no", but the McCartys' account showed four transfers over several days totaling more than $1,500. When McCarty called Wells Fargo to alert them to the fraud, they found another red flag: the scammer changed the phone number and email address attached to the account.

"We talked to customer service and they wouldn't talk to us without us telling them what our email was, and they said it was wrong," he recalled. "Finally, w

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