Sales Arrangement

I use Zelle to transfer money to my family and friends accounts when needed.  I do not use Paypal or Venmo.  Zelle is directly between banks with no middle man involved like paypal and Venmo.  It has $0 fees and shows up in the others account in literally seconds or a minute or two at most.  Thousands of banks use it and if yours does there will generally be a Zelle link in your online banking tabs.  The first time I use it with a new friend or family member I generally send $5 first and when they tell me it is in the account I then send the remaining amount.  Just to ensure I did not enter anything incorrect.  So far it has worked flawlessly.  

If both parties are local I have often gone to my bank or the other persons bank and gotten a cashiers check with both parties present.