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Zelle^® is a convenient way to send and receive money with friends, family, and others you trust through your bank or credit union’s Mobile APP or Online Banking. All you need is your recipient’s email address or U.S. mobile number, and money will typically be available in minutes if they’re already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,200 banks and credit unions.

You can send, request, or receive money with Zelle^®.

To get started:

1. Log into your Mobile or Online Banking and select ‘Send Money with Zelle.’
2. After you’ve enrolled, simply add:
   • Your recipient’s email address or U.S. mobile number
   • The amount you’d like to send or request
3. Review and add a memo
4. Hit “confirm”

In most cases, the money is typically available in minutes¹. To receive money, just share your enrolled email address or U.S. mobile number with a friend or person you trust and ask them to send you money with Zelle^®.

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Keeping your money and information safe is a top priority. When you use Zelle^® within our Mobile App or Online Banking, your information is protected with the same technology we use to keep your bank account safe.

You can send money to friends, family, and others you know and trust who have an eligible bank account in the U.S.¹ If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option.

Neither Salem Five nor Zelle^® offer purchase protection - for example, if you make a purchase using Zelle^®, but you do not receive the item, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Please reach out to our Customer Contact Center at (800) 850-5000 or contact your bank or credit union’s customer support team. Qualifying imposter scams may be eligible for reimbursement.

To use Zelle^®, the sender and recipient must both have a U.S. based bank account.

You can only cancel the payment if the recipient hasn’t yet enrolled with Zelle^®. Go to your Zelle^® activity page within Mobile or Online Banking to check the status of the payment. If the payment is still pending, select the payment you want to cancel, and then click “Cancel This Payment.”

If the recipient has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, Salem Five does not charge any fees to use Zelle^® in the mobile app or online banking.

You must have a Salem Five checking account to send or receive money with Zelle^®. You will not be able to conduct a Zelle^® transaction with a savings account or CD.

Using a Zelle^® QR code provides peace of mind, ensuring you send and receive money to the right person without typing an email address or U.S. mobile number.

Receiving Money:

1. Log into your Mobile App.
2. Tap the “Send Money with Zelle^®” quick link.
3. Tap the QR code icon on the right of the screen.
4. Tap “My Code” and your QR code(s) will be displayed.
5. Use the print or share icons to text, email, or print your Zelle^® QR code.

Sending Money:

1. Tap “Send.”
2. Tap the QR code icon on the right of the screen.
3. Tap “Scan QR Code” and allow access to your camera.
4. Point your camera at the recipient’s Zelle^® QR code.
5. Enter the amount and hit “Send.”
6. Confirm the recipient’s name before sending the money.