You can send, request or receive money with Zelle®. To get started, log in to the Five Rivers Bank App or online banking. In the main menu, select "Transfer and Pay." Then "Send money with Zelle®".
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Five Rivers Bank account, typically within minutes.
If someone sent you money with Zelle®, and you have not yet enrolled with Zelle®, follow these steps:
Keeping your money and information safe is a top priority for Five Rivers Bank. 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.
Zelle® is a great way to send money to family, friends and people you are familiar with, such as your personal trainer, babysitter or neighbor.1
Since money is sent directly from your Five Rivers Bank account to another person’s bank account within minutes,1 Zelle® should only be used to send money to family, friends and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Neither Five Rivers Bank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, 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.
In order to use Zelle®, the sender and recipient’s bank accounts or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed. You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 201-556-9000 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app or online banking, 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.
If you sent money to the wrong person, please immediately call our customer support team at 201-556-9000 to determine what options are available.
No, Five Rivers Bank does not charge any fees to use Zelle® in the Five Rivers Bank App or online banking. Your mobile carrier’s messaging and data rates may apply.
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Five Rivers Bank send limits, call our customer support team at 201-556-9000.
At Five Rivers Bank, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
Zelle® QR code provides peace of mind, knowing you can send and receive money to the right person without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log in to the Five Rivers Bank App or online banking and click “Send Money with Zelle®.” Next, go to your “Zelle® settings” and click “Zelle® QR code,” and your QR code will be displayed under “My Code.” From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log in to the Five Rivers Bank App or online banking, click “Send money with Zelle®,” click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Please contact our customer support team at 201-556-9000. Qualifying imposter scams may be eligible for reimbursement.
Zelle® is a fast, safe and easy way for small businesses to send, receive and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution’s banking app, they can send payments directly to your Five Rivers Bank bank account with just your email address or U.S. mobile number.
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to online banking or our mobile banking app and navigate to the "Send Money with Zelle®". To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you’re ready to start sending and receiving with Zelle®.
To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1
To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
To request money using Zelle® with a small business account, click “Send Money With Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent the money in response to your request.2
There are a few ways you can encourage your customers to pay you with Zelle®:
Neither Five Rivers Bank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, 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.
No, Five Rivers Bank does not charge any fees to use Zelle® with a small business account. Your mobile carrier’s messaging and data rates may apply.
Eligible small business accounts can send, receive or request money with Zelle®. To get started, log in to Five Rivers Bank’s online banking or mobile app. In the main menu, select "Transfer and Pay." Then "Send money with Zelle®". If you don’t see Zelle®, please call our customer support team at 201-556-9000.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed. You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment." If you do not see this option available, please contact our [customer/member] support team at [FI Phone Number] for assistance with canceling the pending payment.
If the person you sent money to 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.
If you sent money to the wrong person, please immediately call our [customer/member] support team at [FI phone number] to determine what options are available.
Zelle® QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle® QR code, log in to the Five Rivers Bank App or online banking. In the main menu, select "Transfer and Pay." Then "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle® QR code.
To send money, log in to the Five Rivers Bank App or online banking. In the main menu, select "Transfer and Pay." Then "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Please contact our customer support team at 201-556-9000. Qualifying imposter scams may be eligible for reimbursement.
Keeping your money and information safe is a top priority for Five Rivers Bank. 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.
Checking your rate with us involves a "soft pull" that does not impact your credit score. A hard inquiry only occurs when you decide to formally apply for the line of credit.
A HELOC is a revolving line of credit, like a credit card, that lets you borrow what you need when you need it during the draw period. A home equity loan provides a lump sum upfront with fixed monthly payments. HELOCs offer more flexibility if you're not sure exactly how much you'll need or when.
HELOC interest may be tax deductible if the funds are used to buy, build, or substantially improve your home. Tax laws are complex and individual situations vary, so we recommend consulting with your tax advisor to understand your specific situation.
Yes! We put the power of the bank right in your hands. With our secure online and mobile banking tools, you can check balances, transfer funds, pay bills, deposit checks, and even set up custom alerts, all from the convenience of your computer or mobile device. It’s banking that works on your time, wherever life takes you.
We are located at 81 Route 4 West, Suite 301, Paramus, NJ 07652.
Yes, we make it simple to integrate your Five Rivers Bank accounts with QuickBooks and Quicken. By syncing your banking and accounting, you’ll spend less time on paperwork and more time focusing on what matters, running and growing your business.
Because our lending decisions are made locally by experienced bankers, most applicants receive a decision within days rather than the weeks typical at larger banks. Closing timelines depend on property appraisal and title work, but we work efficiently to get you access to your funds.
Your trust is built on security, and we take that seriously. For full details, please see our Privacy Policy.
After the 10-year draw period, your HELOC converts to a 15-year repayment period. You'll no longer be able to draw additional funds, and your payments will include both principal and interest. We'll communicate clearly as this transition approaches so there are no surprises.