Bank wire transfer fees and Zelle
Zelle, wire fees, wire cutoff times and transfer limits at US banks and credit unions, from each bank’s own pages.
| Name | Zelle | Type | Domestic wire, outgoing | Wire cutoff (ET) |
|---|---|---|---|---|
| Navy Federal Credit Union | Yes | Credit union | $20 | |
| Bank of America | Yes | Bank | $30 | 5:00 PM ET (domestic and international, online banking) |
| Wells Fargo | Yes | Bank | $30 digital wire, $40 in a branch | 6:00 PM ET domestic, 5:20 PM ET international (digital wires) |
| Chase | Yes | Bank | $25 online, $35 with a banker | |
| KeyBank | Yes | Bank | $30 ($10 to another KeyBank account) | 4:00 PM ET online; at a branch 6:00 PM ET domestic, 5:30 PM ET international |
| USAA | Yes | Bank | $20 | 5:00 PM ET (domestic), 4:30 PM ET (international), Monday to Friday |
| Capital One | Yes | Bank | $30 online or by phone; individuals cannot send one in a branch | 2:00 PM ET online (domestic); 3:00 PM ET by phone or in a branch |
| Citibank | Yes | Bank | $30 online, $35 through a branch or banker (Standard) | 6:45 PM ET domestic, 6:00 PM ET international (online) |
| PNC Bank | Yes | Bank | $25 online or mobile, $30 with an agent | 6:00 PM ET (online and mobile wires) |
| U.S. Bank | Yes | Bank | $30 ($25 to another U.S. Bank account) | 5:30 PM ET domestic, 4:00 PM ET international (same day) |
| TD Bank | Yes | Bank | $30 | 5:00 PM ET (same-day domestic) |
| Truist | Yes | Bank | $30 with a teammate; $20 online (Truist Wealth and Premier) | |
| Regions | Yes | Bank | $30 | |
| Fifth Third | Yes | Bank | $30 (complimentary on Preferred Checking) | |
| Huntington | Yes | Bank | $25 | |
| Citizens | Yes | Bank | $30 ($18 repetitive); waived on Quest and Private Client | |
| M&T Bank | Yes | Bank | $32 ($16 to an M&T account); waived on MyChoice Premium | |
| Ally | Yes | Bank | $20 | 3:00 PM ET (outgoing, domestic) |
| SoFi | Yes | Bank | $30 | 3:30 PM ET (outgoing) |
| Discover | Yes | Bank | $30 | 3:00 PM ET (same-day outgoing wires) |
| PenFed | Yes | Credit union | $25 | 4:00 PM ET domestic, 3:30 PM ET international (outgoing) |
| American Express | Yes | Bank | $20 (Rewards Checking, online only) | 4:00 PM ET (Rewards Checking); 2:00 PM ET (High Yield Savings) |
| Schwab Bank | Yes | Bank | $25; $15 if submitted online | |
| Santander | Yes | Bank | $25 ($15 for Select Checking and Select Money Market Savings) | |
| BMO | Yes | Bank | $30 | 6:00 PM ET domestic, 5:00 PM ET international (branch or phone) |
| First Citizens Bank | Yes | Bank | $30 | |
| BECU | Yes | Credit union | $25 | |
| Frost Bank | Yes | Bank | 5:30 PM ET domestic, 5:00 PM ET international (branch requests) | |
| Synovus | Yes | Bank | $26 | 5:15 PM ET (online domestic wires) |
| Alliant Credit Union | No | Credit union | $25 | 3:30 PM ET domestic, 1:30 PM ET foreign; Monday to Friday |
| Zions Bank | Yes | Bank | $27 | 6:00 PM ET (4:00 PM MT, Digital Banking wires) |
| First Horizon Bank | Yes | Bank | $30 | |
| Associated Bank | Yes | Bank | $25; $28 for an occasional branch-created wire | |
| Old National Bank | Yes | Bank | $30 | 4:00 PM ET (3:00 PM CT), all wires |
| Bank OZK | Yes | Bank | $20 online, $30 otherwise | |
| Golden 1 Credit Union | Yes | Credit union | $25; qualifying Golden Prestige domestic benefit free | |
| SchoolsFirst FCU | Yes | Credit union | $20 | |
| America First Credit Union | Yes | Credit union | $15 | |
| Mountain America Credit Union | Yes | Credit union | $15 | |
| Security Service FCU | Yes | Credit union | Free with Power Protected Checking ($9/month account) | |
| Global Credit Union | No | Credit union | $20 | |
| Desert Financial Credit Union | Yes | Credit union | $20 | |
| Patelco Credit Union | Yes | Credit union | $20 | 4:00 PM ET (1:00 PM PT) |
Pick your bank to see whether it has Zelle, what it charges to send and receive a wire, the time a same-day wire must be in by (in ET), and the limits it publishes for Zelle and external transfers. Every figure comes from the bank’s fee schedule, account agreement or help pages and shows the date we checked it. When a bank does not publish a value, it is left out rather than borrowed from another site. To compare banks side by side, see our bank comparison tables.
How we collect and check these figures is set out in our methodology. This is not financial advice.
Source: the bank’s own pages, linked with check dates. See our methodology.