Bank of America Zelle Limits: How to send and receive money with Zelle

Last Updated on October 9, 2025 by admin

Bank of America has long been a cornerstone in the banking industry, renowned for its expansive services and commitment to customer satisfaction.

In recent years, it has sought to enhance its offerings through strategic partnerships, with a notable collaboration being with Zelle, a leading digital payments network. This partnership aims to streamline the process of sending and receiving money, emphasizing speed, convenience, and security for customers.

Zelle is integrated directly into the bank of America mobile app and online banking platform, allowing users to transfer funds effortlessly without needing to download a separate app.

This seamless integration capitalizes on Zelle’s robust technology, which enables almost instantaneous transactions. Customers can now send money to friends, family, and businesses using just an email address or mobile phone number, revolutionizing the way personal transactions are conducted.

The partnership underscores the bank’s commitment to leveraging innovative solutions to enhance customer experiences and meet the growing demand for quick and secure financial services.

Read: How to register for Zelle send and receive money

Table of Contents

What is Zelle with Bank of America

Zelle is a peer-to-peer (P2P) payments network in the U.S. that lets people send money from one bank account to another almost instantly using just an email address or U.S. mobile phone number.
It is owned and operated by Early Warning Services, which is in turn backed by major U.S. banks (including Bank of America).
Transactions on Zelle are generally free when done through participating banks.
Once a payment is accepted, it is usually instant and cannot be reversed (unless there’s fraud or a special exception).
When you use Zelle with Bank of America, Zelle is integrated directly into BofA’s mobile app / online banking. You don’t need a separate Zelle app (for BofA customers) to send or receive money.

What You Can Do with Zelle at Bank of America

Send money to friends, family, or anyone with a U.S. bank account
Receive money instantly once enrolled
Split bills or pay for services
No fees from Bank of America to use Zelle

Bank of America Zelle® limit details

Here are the current Zelle® transfer limits for Bank of America as of 2025:

Personal Accounts

First 60 days after enrollment:
- Daily limit: $500
After 60 days:
- Daily limit: $3,500
- Monthly limit: $20,000

Small Business Accounts

First 60 days:
- Daily limit: $2,000
After 60 days:
- Daily limit: $15,000

How to Use Zelle with Bank of America:

Using Zelle with Bank of America is fast, secure, and built right into your banking experience. Here’s how to get started and send money in minutes:

On the Mobile App

Open the Bank of America mobile app and log in.
Tap Transfer | Zelle® from the menu.
Choose Enroll if you haven’t already.
Link your U.S. mobile number or email address to your checking account.

On Online Banking

Go to bank of america online portal and log in.
Navigate to Transfers > Send Money with Zelle®.
Enroll using your email or mobile number.

Also read:Chase Zelle Limits:How To Send or Request Money and enroll for Zelle

How to Send money with zelle

To send money with Zelle, log in to the Mobile Banking app or Online Banking and select Transfer | Zelle® in the navigation menu.

Tap “Transfer | Zelle®” and then “Send.”
Select or add your recipient.
Enter the amount and select your funding account.
Include an optional note and tap “Send Money.”
Once you send money, both you and your recipient will be notified. Send money now

As a small business client, you may be able to send up to $15,000 per day with Zelle®.

How to Receive money with zelle

To receive money with Zelle, you’ll need to enroll your U.S. mobile number or email address (the sender needs to use the specific email address or U.S. mobile number that you enrolled)

Sign in and tap “Transfer | Zelle^®.” Then tap “Settings” or “Manage Settings” and follow the instructions.
Check your text messages or email for a one-time code, so we can confirm your business account.
You’re all set!

How do i know if my recipient did not receive funds sent with zelle

If you’re unsure whether your recipient received money sent via Zelle, here are a few ways to check and troubleshoot:

1. Check Your Transaction Status

Open your Bank of America app or online banking.
Go to Transfers > Zelle Activity.
Look for the transaction and see if it shows:
- Pending: The recipient hasn’t enrolled with Zelle yet.
- Completed: The money was sent successfully.

2. Confirm Recipient Enrollment

Make sure the recipient is enrolled with Zelle using the same email or U.S. mobile number you sent the money to.
If they’re not enrolled, they’ll get a notification prompting them to sign up and claim the funds.

3. Timing Matters

Most Zelle payments are instant, but if the recipient is new to Zelle, it might take a bit longer.
If it’s been more than 3 business days, they should check their email or text messages for a Zelle enrollment link.

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