A few things for future reference and for others who aren't familiar with these types of scams:

1) Zelle doesn't require a specific amount of money to be in your account to either receive or send. It is merely a transmitter of money. If your bank account doesn't have the necessary funds, your bank won't process the Zelle transaction.

2) A couple of things about the link in the "You received money" email. Lots of things, really, but the two that stood out: At the end of the "apple.com" link you'll see a reference to Signal, which is a messaging app similar to Whatsapp. If you see that anywhere in any business transaction link, it's a scam.

The other thing about the link is that it is likely that the link is not to apps.apple.com, even though it looks like it is. If you hover over a link with your mouse instead of clicking it (being VERY careful not to click it), you will often that it is a different link entirely. Usually you can see the real web link in the lower left hand corner of your browser.

I'll do a write up for Crows Nest soon on other stuff to look for from scammers (I am a semi-retired sofware engineer who used to work for PayPal).

Nothing to be ashamed of here. They're getting increasingly sophisticated. Another commenter pointed to the awkward language, too.

Again, I'll have more on this in a couple days. It looks like a much needed bit of information.

Would you mind if I use this as an example? Just the screenshot of the Zelle stuff. Not your Medium user name or any of that.