{"catalog":{"title":"Bank wire transfer fees and Zelle","path":"/banks","updatedAt":"2026-11-01T10:22:53.393Z","fields":[{"id":"type","label":"Type","type":"select","options":["Bank","Credit union"]},{"id":"zelle","label":"Zelle","type":"select","options":["Yes","No"]},{"id":"zelle_limits","label":"Zelle limits","type":"text"},{"id":"wire_domestic_out","label":"Domestic wire, outgoing","type":"text"},{"id":"wire_domestic_in","label":"Domestic wire, incoming","type":"text"},{"id":"wire_intl_out","label":"International wire, outgoing","type":"text"},{"id":"wire_intl_in","label":"International wire, incoming","type":"text"},{"id":"wire_cutoff","label":"Wire cutoff (ET)","type":"text"},{"id":"ach_external","label":"External transfers (ACH)","type":"textarea"},{"id":"charter","label":"Charter","type":"text"},{"id":"hq_state","label":"Main office state","type":"text"},{"id":"website","label":"Website","type":"url"},{"id":"fee_schedule","label":"Fee schedule","type":"url"},{"id":"checked_on","label":"Checked on","type":"date"}]},"entries":[{"slug":"navy-federal-credit-union","name":"Navy Federal Credit Union","path":"/banks/navy-federal-credit-union","category":null,"updatedAt":"2026-10-22T13:30:24.453Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":"Fast: $2,000 per day, $12,000 per 30 days; standard: $3,000 per day and per 30 days","wire_domestic_out":"$20","wire_domestic_in":"No charge","wire_intl_out":"$25","wire_intl_in":"No charge (US dollars only)","wire_cutoff":null,"ach_external":"$5,000 per business day to checking elsewhere; 2 to 3 business days; no fee","charter":"NCUA charter 5536","hq_state":"Virginia","website":"https://www.navyfederal.org","fee_schedule":"https://www.navyfederal.org/content/dam/nfculibs/pdfs/membership/2043ep.pdf","checked_on":"2026-09-27"}},{"slug":"bank-of-america","name":"Bank of America","path":"/banks/bank-of-america","category":null,"updatedAt":"2026-10-21T09:08:59.425Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$3,500 per day, $20,000 per calendar month (after 60 days of enrollment)","wire_domestic_out":"$30","wire_domestic_in":"$15; waived for Advantage Relationship Banking and top BofA Rewards tiers","wire_intl_out":"$45 in U.S. dollars; no wire fee in foreign currency (exchange rate markup)","wire_intl_in":"$15; waived for BofA Rewards Preferred Plus, Preferred Honors, Premier","wire_cutoff":"5:00 PM ET (domestic and international, online banking)","ach_external":"Next-business-day ACH up to $1,000 per transfer, no fee; 8:00 PM ET cutoff","charter":"FDIC certificate 3510","hq_state":"North Carolina","website":"https://www.bankofamerica.com","fee_schedule":"https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/","checked_on":"2026-09-27"}},{"slug":"wells-fargo","name":"Wells Fargo","path":"/banks/wells-fargo","category":null,"updatedAt":"2026-10-13T09:03:19.913Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$3,500 per 24 hours, $20,000 per 30 days (consumer accounts)","wire_domestic_out":"$30 digital wire, $40 in a branch","wire_domestic_in":"No fee","wire_intl_out":"$30 digital in USD; $0 digital in foreign currency; $40 in a branch","wire_intl_in":"No fee","wire_cutoff":"6:00 PM ET domestic, 5:20 PM ET international (digital wires)","ach_external":"2 business days out, 3 in (initial speed)","charter":"FDIC certificate 3511","hq_state":"South Dakota","website":"https://www.wellsfargo.com","fee_schedule":"https://www.wellsfargo.com/fetch-pdf?formNumber=CNS2013&subProductCode=ANY","checked_on":"2026-09-27"}},{"slug":"chase","name":"Chase","path":"/banks/chase","category":null,"updatedAt":"2026-10-22T13:33:26.243Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$500 to $10,000 per day by tier; the app shows your limit","wire_domestic_out":"$25 online, $35 with a banker","wire_domestic_in":"$15; $0 if originally sent with a Chase banker or online at Chase","wire_intl_out":"$40 online in USD; $5 online in foreign currency; $50 with a banker","wire_intl_in":"$15; $0 if originally sent with a Chase banker or online at Chase","wire_cutoff":null,"ach_external":"Schedule by 8:00 PM ET on a business day","charter":"FDIC certificate 628","hq_state":"Ohio","website":"https://www.chase.com","fee_schedule":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","checked_on":"2026-09-27"}},{"slug":"keybank","name":"KeyBank","path":"/banks/keybank","category":null,"updatedAt":"2026-10-02T15:52:47.213Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30 ($10 to another KeyBank account)","wire_domestic_in":"$20 (no fee from another KeyBank account)","wire_intl_out":"$45","wire_intl_in":"$20","wire_cutoff":"4:00 PM ET online; at a branch 6:00 PM ET domestic, 5:30 PM ET international","ach_external":"Up to 4 business days, no fee; dollar limits shown only in online banking","charter":"FDIC certificate 17534","hq_state":"Ohio","website":"https://www.key.com","fee_schedule":"https://online1.keybank.com/dcm/GetEdasDisclosure?action=product&bn=4731&output=html_complete&pa=DEPS&pd=000000001&pg=DDA&sp=KECP","checked_on":"2026-09-27"}},{"slug":"usaa","name":"USAA","path":"/banks/usaa","category":null,"updatedAt":"2026-10-28T13:19:27.096Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$1,700 per 24 hours, $5,000 per 7 days, $10,000 per 30 days; 10, 21 and 90 payments","wire_domestic_out":"$20","wire_domestic_in":"No charge","wire_intl_out":"$45 total ($20 USAA fee and $25 intermediary bank fee)","wire_intl_in":"No charge","wire_cutoff":"5:00 PM ET (domestic), 4:30 PM ET (international), Monday to Friday","ach_external":null,"charter":"FDIC certificate 32188","hq_state":"Arizona","website":"https://www.usaa.com","fee_schedule":"https://static.usaa.com/content/dam/digital/documents/pdf/bank/bk-depository-agreement-and-acct-service-fee-schedule.pdf","checked_on":"2026-09-27"}},{"slug":"capital-one","name":"Capital One","path":"/banks/capital-one","category":null,"updatedAt":"2026-10-22T13:30:52.535Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"Send limit shown in the app or online banking when you set up a payment; no limit on requests","wire_domestic_out":"$30 online or by phone; individuals cannot send one in a branch","wire_domestic_in":"Free for 360 Checking; $15 for Essential and High-Yield accounts","wire_intl_out":"$40, in a branch only (not online)","wire_intl_in":"No fee for 360 Checking; $15 for Essential and High-Yield accounts","wire_cutoff":"2:00 PM ET online (domestic); 3:00 PM ET by phone or in a branch","ach_external":"Free to your linked accounts elsewhere; typically 2 to 3 business days","charter":"FDIC certificate 4297","hq_state":"Virginia","website":"https://www.capitalone.com","fee_schedule":"https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/","checked_on":"2026-10-19"}},{"slug":"citi","name":"Citibank","path":"/banks/citi","category":null,"updatedAt":"2026-10-25T13:25:32.684Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$2,500 per day, $15,000 per rolling 30 days (Standard, tenured)","wire_domestic_out":"$30 online, $35 through a branch or banker (Standard)","wire_domestic_in":"$15; waived for Citi Priority, Citigold, Citigold Private Client","wire_intl_out":"$40 online in USD, $45 through a branch or banker (Standard)","wire_intl_in":"$15; waived for Citi Priority, Citigold, Citigold Private Client","wire_cutoff":"6:45 PM ET domestic, 6:00 PM ET international (online)","ach_external":"Same-day ACH before 12:30 PM ET; outbound up to $25,000 a day after 91 days","charter":"FDIC certificate 7213","hq_state":"South Dakota","website":"https://www.citi.com","fee_schedule":"https://online.citi.com/JRS/popups/ao/CDAA.pdf","checked_on":"2026-09-27"}},{"slug":"pnc","name":"PNC Bank","path":"/banks/pnc","category":null,"updatedAt":"2026-10-02T15:53:50.049Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$25 online or mobile, $30 with an agent","wire_domestic_in":"$15","wire_intl_out":"$40 online in USD, $5 online in foreign currency, $50 with an agent","wire_intl_in":"$15","wire_cutoff":"6:00 PM ET (online and mobile wires)","ach_external":"As few as 3 business days; limits shown in the service; cutoff 1:00 AM ET next day","charter":"FDIC certificate 6384","hq_state":"Delaware","website":"https://www.pnc.com","fee_schedule":"https://www.pnc.com/en/personal-banking/banking/checking/fee-schedules.html","checked_on":"2026-09-27"}},{"slug":"us-bank","name":"U.S. Bank","path":"/banks/us-bank","category":null,"updatedAt":"2026-10-02T15:56:53.899Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30 ($25 to another U.S. Bank account)","wire_domestic_in":"$20 ($15 from another U.S. Bank account)","wire_intl_out":"$50 (at a branch or by phone, not online)","wire_intl_in":"$25","wire_cutoff":"5:30 PM ET domestic, 4:00 PM ET international (same day)","ach_external":"1 to 3 business days, no fee; start before 9:00 PM ET on a business day","charter":"FDIC certificate 6548","hq_state":"Ohio","website":"https://www.usbank.com","fee_schedule":"https://www.usbank.com/dam/en/documents/pdfs/disclosures/consumer-pricing-information.pdf","checked_on":"2026-09-27"}},{"slug":"td-bank","name":"TD Bank","path":"/banks/td-bank","category":null,"updatedAt":"2026-10-02T15:56:07.666Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$2,500 per day, $10,000 per month","wire_domestic_out":"$30","wire_domestic_in":"$15","wire_intl_out":"$25 in foreign currency, $50 in USD, plus correspondent fees","wire_intl_in":"$15","wire_cutoff":"5:00 PM ET (same-day domestic)","ach_external":"Free; out up to $3,000/day and $5,000/month (3 business days)","charter":"FDIC certificate 18409","hq_state":"Delaware","website":"https://www.td.com/us/en/personal-banking","fee_schedule":"https://www.td.com/content/dam/tdb/document/pdf/personal-banking/1-fees-en.pdf","checked_on":"2026-09-27"}},{"slug":"truist","name":"Truist","path":"/banks/truist","category":null,"updatedAt":"2026-10-02T15:56:24.871Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30 with a teammate; $20 online (Truist Wealth and Premier)","wire_domestic_in":"$15","wire_intl_out":"$65 with a teammate","wire_intl_in":"$20","wire_cutoff":null,"ach_external":"Free; 3-business-day, next-day or instant; limits shown in the app","charter":"FDIC certificate 9846","hq_state":"North Carolina","website":"https://www.truist.com","fee_schedule":"https://www.truist.com/content/dam/truist-bank/us/en/documents/rates-fees/personal/truist-one-personal-deposit-accounts-fee-schedule.pdf","checked_on":"2026-09-27"}},{"slug":"regions","name":"Regions","path":"/banks/regions","category":null,"updatedAt":"2026-11-01T10:22:53.393Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30","wire_domestic_in":"$15","wire_intl_out":"$50","wire_intl_in":"$18","wire_cutoff":null,"ach_external":"1 to 3 business days, or next day if eligible; no Regions fee to bring money in","charter":"FDIC certificate 12368","hq_state":"Alabama","website":"https://www.regions.com","fee_schedule":"https://www.regions.com/-/media/pdfs/pricing-schedules/Checking-Pricing-Schedule","checked_on":"2026-09-28"}},{"slug":"fifth-third","name":"Fifth Third","path":"/banks/fifth-third","category":null,"updatedAt":"2026-10-02T15:51:16.770Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30 (complimentary on Preferred Checking)","wire_domestic_in":"$15","wire_intl_out":"$50 in foreign currency, $85 in U.S. dollars","wire_intl_in":"$15","wire_cutoff":null,"ach_external":null,"charter":"FDIC certificate 6672","hq_state":"Ohio","website":"https://www.53.com","fee_schedule":"https://www.53.com/content/dam/fifth-third/docs/reference/fifth-third-consumer-banking-welcome-kit-accessible.pdf","checked_on":"2026-09-28"}},{"slug":"huntington","name":"Huntington","path":"/banks/huntington","category":null,"updatedAt":"2026-10-02T15:52:16.280Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$25","wire_domestic_in":"$15","wire_intl_out":"$75","wire_intl_in":"$15","wire_cutoff":null,"ach_external":"Allow 3 business days; no Huntington fee to bring money in","charter":"FDIC certificate 6560","hq_state":"Ohio","website":"https://www.huntington.com","fee_schedule":"https://www.huntington.com/-/media/pdf/RR5INTCHKRPAC","checked_on":"2026-09-27"}},{"slug":"citizens","name":"Citizens","path":"/banks/citizens","category":null,"updatedAt":"2026-10-02T15:50:36.108Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30 ($18 repetitive); waived on Quest and Private Client","wire_domestic_in":"$18 to $28 by notification method; waived on Quest and Private Client","wire_intl_out":"$40 in U.S. dollars, $15 in foreign currency","wire_intl_in":"$12 in U.S. dollars, $10 in foreign currency","wire_cutoff":null,"ach_external":"$5,000 per business day, $10,000 per month each way; $3 per outgoing transfer","charter":"FDIC certificate 57957","hq_state":"Rhode Island","website":"https://www.citizensbank.com","fee_schedule":"https://www.citizensbank.com/dam/ceb2aa29-d6d9-4973-8a02-b3fa012f5f28/personal-fees-original-file.pdf","checked_on":"2026-09-27"}},{"slug":"m-and-t-bank","name":"M&T Bank","path":"/banks/m-and-t-bank","category":null,"updatedAt":"2026-09-28T13:24:12.350Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$2,500 per 24 hours, $10,000 per 30 days (enrolled over 100 days)","wire_domestic_out":"$32 ($16 to an M&T account); waived on MyChoice Premium","wire_domestic_in":"$16; waived on MyChoice Premium","wire_intl_out":"$75","wire_intl_in":"$16; waived on MyChoice Premium","wire_cutoff":null,"ach_external":"Bank to Bank: $2,000 per day and $5,000 per 30 days combined; no fee","charter":"FDIC certificate 588","hq_state":"New York","website":"https://www.mtb.com","fee_schedule":"https://www.mtb.com/content/dam/mtb-web/pdfs/checking.fee.transparency.guide.pdf","checked_on":"2026-09-27"}},{"slug":"ally","name":"Ally","path":"/banks/ally","category":null,"updatedAt":"2026-10-02T15:48:06.303Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$20","wire_domestic_in":"$0 at Ally; intermediary banks may charge","wire_intl_out":"Not offered","wire_intl_in":"$0 at Ally; intermediary banks may charge","wire_cutoff":"3:00 PM ET (outgoing, domestic)","ach_external":"No fee; 3 business days standard, 1 business day next-day; limits shown on screen","charter":"FDIC certificate 57803","hq_state":"Utah","website":"https://www.ally.com","fee_schedule":"https://www.ally.com/content/dam/pdf/bank/ally-bank-deposit-agreement.pdf","checked_on":"2026-09-27"}},{"slug":"sofi","name":"SoFi","path":"/banks/sofi","category":null,"updatedAt":"2026-10-02T15:55:39.340Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$1,000 per transaction and per day (sending)","wire_domestic_out":"$30","wire_domestic_in":"$0","wire_intl_out":"Not offered","wire_intl_in":"Not offered","wire_cutoff":"3:30 PM ET (outgoing)","ach_external":"ACH out from SoFi: $5,000 per day, $15,000 per month; deposit limits shown at transfer","charter":"FDIC certificate 26881","hq_state":"Utah","website":"https://www.sofi.com","fee_schedule":"https://www.sofi.com/legal/banking-fees/","checked_on":"2026-09-27"}},{"slug":"discover","name":"Discover","path":"/banks/discover","category":null,"updatedAt":"2026-10-02T15:50:57.996Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$600 per day (sending); no limit on receiving","wire_domestic_out":"$30","wire_domestic_in":null,"wire_intl_out":"Not offered","wire_intl_in":null,"wire_cutoff":"3:00 PM ET (same-day outgoing wires)","ach_external":"Up to $250,000 out and $250,000 in per 30 days; $25 minimum; 5:00 PM ET cutoff","charter":"FDIC certificate 4297 (Capital One, N.A.)","hq_state":"Virginia","website":"https://www.discover.com","fee_schedule":"https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf","checked_on":"2026-09-27"}},{"slug":"penfed","name":"PenFed","path":"/banks/penfed","category":null,"updatedAt":"2026-11-01T10:22:52.499Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$25","wire_domestic_in":"$0","wire_intl_out":"$30","wire_intl_in":"$0","wire_cutoff":"4:00 PM ET domestic, 3:30 PM ET international (outgoing)","ach_external":"$2,500 per day in and $2,500 out; free online, $5 via Member Service","charter":"NCUA charter 227","hq_state":"Virginia","website":"https://www.penfed.org","fee_schedule":"https://www.penfed.org/current-service-fees","checked_on":"2026-09-27"}},{"slug":"american-express","name":"American Express","path":"/banks/american-express","category":null,"updatedAt":"2026-10-02T15:48:26.517Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"Send: $500 per transaction, $500 per week, $2,500 per month; no receive limit","wire_domestic_out":"$20 (Rewards Checking, online only)","wire_domestic_in":"$0","wire_intl_out":"Not offered","wire_intl_in":null,"wire_cutoff":"4:00 PM ET (Rewards Checking); 2:00 PM ET (High Yield Savings)","ach_external":"$25,000 per transfer and per day, $50,000 per rolling 5 days, each way; no fee","charter":"FDIC certificate 27471","hq_state":"Utah","website":"https://www.americanexpress.com/en-us/banking/checking-account/","fee_schedule":"https://www.americanexpress.com/content/dam/amex/en-us/banking/online-checking/Checking-Schedule.pdf","checked_on":"2026-09-27"}},{"slug":"schwab-bank","name":"Schwab Bank","path":"/banks/schwab-bank","category":null,"updatedAt":"2026-10-02T15:55:19.914Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$25; $15 if submitted online","wire_domestic_in":"$0","wire_intl_out":"Not offered","wire_intl_in":"Not offered","wire_cutoff":null,"ach_external":"No fee; in by 5:30 PM ET moves next business day, later may take two","charter":"FDIC certificate 57450","hq_state":"Texas","website":"https://www.schwab.com/checking","fee_schedule":"https://disclosures.schwab.com/SchwabDashboard/62667/REG30608.pdf","checked_on":"2026-09-27"}},{"slug":"santander","name":"Santander","path":"/banks/santander","category":null,"updatedAt":"2026-10-02T15:55:04.923Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$25 ($15 for Select Checking and Select Money Market Savings)","wire_domestic_in":"$13 (no fee for Select accounts; some Simply Right Checking)","wire_intl_out":"$40 (in U.S. dollars)","wire_intl_in":null,"wire_cutoff":null,"ach_external":"Out: $5,000 per business day, $20,000 per month; cutoff 12:30 PM ET","charter":"FDIC certificate 29950","hq_state":"Delaware","website":"https://www.santanderbank.com","fee_schedule":"https://www.santanderbank.com/product-and-fee-schedule/","checked_on":"2026-09-28"}},{"slug":"bmo","name":"BMO","path":"/banks/bmo","category":null,"updatedAt":"2026-10-02T15:49:29.117Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$750 per day, $5,000 per rolling 30 days","wire_domestic_out":"$30","wire_domestic_in":"Free","wire_intl_out":"$50","wire_intl_in":null,"wire_cutoff":"6:00 PM ET domestic, 5:00 PM ET international (branch or phone)","ach_external":"Standard: $2,000 per transfer and per day, $7,500 per rolling 30 days, each way","charter":"FDIC certificate 16571","hq_state":"Illinois","website":"https://www.bmo.com/en-us/main/personal/","fee_schedule":"https://www.bmo.com/en-us/vgn/disclosure/reg_dd.pdf","checked_on":"2026-09-27"}},{"slug":"first-citizens","name":"First Citizens Bank","path":"/banks/first-citizens","category":null,"updatedAt":"2026-10-19T06:48:41.866Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"Rolling 24-hour and 30-day send limits, shown in Zelle in Digital Banking; no receive limit","wire_domestic_out":"$30","wire_domestic_in":"$16; some state editions list $19 for Georgia and Florida","wire_intl_out":null,"wire_intl_in":null,"wire_cutoff":null,"ach_external":"$10,000 per transfer and per day, $50,000 per month; free; 9:00 PM ET cutoff","charter":"FDIC certificate 11063","hq_state":"North Carolina","website":"https://www.firstcitizens.com","fee_schedule":"https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/personal/disclosures/nc.pdf","checked_on":"2026-10-19"}},{"slug":"becu","name":"BECU","path":"/banks/becu","category":null,"updatedAt":"2026-10-02T15:48:57.665Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$25","wire_domestic_in":"$0","wire_intl_out":"$35","wire_intl_in":"$0","wire_cutoff":null,"ach_external":null,"charter":null,"hq_state":"Washington","website":"https://www.becu.org","fee_schedule":"https://www.becu.org/-/media/Files/PDF/9115.pdf?la=en&rev=916ce9ddb21540fa816a9a0d1da3acf6&sc_lang=en&hash=9AC274722CEAFD40D2ABF841F9193549","checked_on":"2026-09-27"}},{"slug":"frost","name":"Frost Bank","path":"/banks/frost","category":null,"updatedAt":"2026-10-02T15:52:00.372Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$2,000 per day per recipient","wire_domestic_out":null,"wire_domestic_in":"$15","wire_intl_out":null,"wire_intl_in":"$15","wire_cutoff":"5:30 PM ET domestic, 5:00 PM ET international (branch requests)","ach_external":"Up to your available balance per 24 hours in Online Banking","charter":"FDIC certificate 5510","hq_state":"Texas","website":"https://www.frostbank.com","fee_schedule":"https://www.frostbank.com/agreements-disclosures/truth-in-savings/personal-account","checked_on":"2026-09-27"}},{"slug":"synovus","name":"Synovus","path":"/banks/synovus","category":null,"updatedAt":"2026-09-28T13:24:40.425Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$1,000 per day, $10,000 per 30 days; $5 minimum","wire_domestic_out":"$26","wire_domestic_in":"$18","wire_intl_out":"$45","wire_intl_in":"$25","wire_cutoff":"5:15 PM ET (online domestic wires)","ach_external":"$10,000 per day, $25,000 per 30 days; out $3 standard, $8 next-day, $12 instant","charter":"FDIC certificate 35583 (Pinnacle Bank)","hq_state":"Tennessee","website":"https://www.synovus.com","fee_schedule":"https://www.synovus.com/-/media/files/sofacs/personal-banking-schedule-of-fees-and-charges.pdf","checked_on":"2026-09-27"}},{"slug":"alliant","name":"Alliant Credit Union","path":"/banks/alliant","category":null,"updatedAt":"2026-09-28T08:40:46.933Z","fields":{"type":"Credit union","zelle":"No","zelle_limits":null,"wire_domestic_out":"$25","wire_domestic_in":"Free","wire_intl_out":"$50","wire_intl_in":"Free","wire_cutoff":"3:30 PM ET domestic, 1:30 PM ET foreign; Monday to Friday","ach_external":"Up to $25,000 a day out, $150,000 a day in via Online Banking; free","charter":"NCUA charter 67955","hq_state":"Illinois","website":"https://www.alliantcreditunion.org","fee_schedule":"https://www.alliantcreditunion.org/fees","checked_on":"2026-09-27"}},{"slug":"zions-bank","name":"Zions Bank","path":"/banks/zions-bank","category":null,"updatedAt":"2026-10-02T07:08:05.051Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":"$2,000 per day, $5,000 per 30 days (standard); 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$28 for an occasional branch-created wire","wire_domestic_in":"$15","wire_intl_out":"$45 (recipient pays other banks' fees); $60 or $85 if you pay them","wire_intl_in":"$15","wire_cutoff":null,"ach_external":"No charge for outgoing or incoming external transfers","charter":"FDIC certificate 5296 (Associated Bank, National Association)","hq_state":"Wisconsin","website":"https://www.associatedbank.com","fee_schedule":"https://www.associatedbank.com/pdf/consumerdepositaccountfeeschedule.pdf","checked_on":"2026-10-02"}},{"slug":"old-national-bank","name":"Old National Bank","path":"/banks/old-national-bank","category":null,"updatedAt":"2026-10-02T15:53:22.411Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$30","wire_domestic_in":"$16","wire_intl_out":"$50","wire_intl_in":"$16","wire_cutoff":"4:00 PM ET (3:00 PM CT), all wires","ach_external":null,"charter":"FDIC certificate 3832","hq_state":"Indiana","website":"https://www.oldnational.com","fee_schedule":"https://www.oldnational.com/personal/services/wire-transfers/","checked_on":"2026-10-02"}},{"slug":"bank-ozk","name":"Bank OZK","path":"/banks/bank-ozk","category":null,"updatedAt":"2026-10-04T08:56:41.003Z","fields":{"type":"Bank","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$20 online, $30 otherwise","wire_domestic_in":"$15; 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$7,000 or 30 payments per rolling 30 days; $5 minimum sent","wire_domestic_out":"$20","wire_domestic_in":"Free","wire_intl_out":"$45","wire_intl_in":"Free","wire_cutoff":null,"ach_external":null,"charter":null,"hq_state":null,"website":"https://www.schoolsfirstfcu.org","fee_schedule":"https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx","checked_on":"2026-10-07"}},{"slug":"america-first-credit-union","name":"America First Credit Union","path":"/banks/america-first-credit-union","category":null,"updatedAt":"2026-10-08T10:25:16.125Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$15","wire_domestic_in":"$10","wire_intl_out":"$30","wire_intl_in":"$10","wire_cutoff":null,"ach_external":null,"charter":null,"hq_state":null,"website":"https://www.americafirst.com/services/online-services/zelle/zelle-faq.html","fee_schedule":"https://www.americafirst.com/documents/rate-fee-schedule.pdf","checked_on":"2026-10-08"}},{"slug":"mountain-america-credit-union","name":"Mountain America Credit Union","path":"/banks/mountain-america-credit-union","category":null,"updatedAt":"2026-10-08T10:25:16.476Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"$15","wire_domestic_in":"$10","wire_intl_out":"$30","wire_intl_in":"$10","wire_cutoff":null,"ach_external":null,"charter":null,"hq_state":null,"website":"https://www.macu.com/services/digital-banking/zelle","fee_schedule":"https://www.macu.com/help/answers/wire-transfers/what-are-the-fees-asscoiated-with-wire-transfers","checked_on":"2026-10-08"}},{"slug":"security-service-fcu","name":"Security Service FCU","path":"/banks/security-service-fcu","category":null,"updatedAt":"2026-10-09T17:55:09.160Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":null,"wire_domestic_out":"Free with Power Protected Checking ($9/month account)","wire_domestic_in":null,"wire_intl_out":null,"wire_intl_in":null,"wire_cutoff":null,"ach_external":null,"charter":null,"hq_state":null,"website":"https://www.ssfcu.org","fee_schedule":"https://ssfcu.org/checking-and-savings/checking/power-protected-checking","checked_on":"2026-10-09"}},{"slug":"global-credit-union","name":"Global Credit Union","path":"/banks/global-credit-union","category":null,"updatedAt":"2026-10-09T17:55:10.928Z","fields":{"type":"Credit union","zelle":"No","zelle_limits":null,"wire_domestic_out":"$20","wire_domestic_in":null,"wire_intl_out":"$50","wire_intl_in":null,"wire_cutoff":null,"ach_external":null,"charter":null,"hq_state":null,"website":"https://www.globalcu.org","fee_schedule":"https://www.globalcu.org/siteassets/pdfs/03241-akusa-sads-service-fees.pdf","checked_on":"2026-10-09"}},{"slug":"desert-financial-credit-union","name":"Desert Financial Credit Union","path":"/banks/desert-financial-credit-union","category":null,"updatedAt":"2026-10-14T01:23:50.420Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":"Send limit shown by member support; no receive limit","wire_domestic_out":"$20","wire_domestic_in":"$10","wire_intl_out":"$60","wire_intl_in":null,"wire_cutoff":null,"ach_external":"No fee; standard transfers up to 5 business days","charter":null,"hq_state":null,"website":"https://www.desertfinancial.com","fee_schedule":"https://www.desertfinancial.com/globalassets/files/legal/fee-schedule.pdf?ver=05112026","checked_on":"2026-10-14"}},{"slug":"patelco-credit-union","name":"Patelco Credit Union","path":"/banks/patelco-credit-union","category":null,"updatedAt":"2026-10-14T01:23:51.058Z","fields":{"type":"Credit union","zelle":"Yes","zelle_limits":"Individual send limits shown after sign-in; no receive limit","wire_domestic_out":"$20","wire_domestic_in":"$10","wire_intl_out":null,"wire_intl_in":"$15","wire_cutoff":"4:00 PM ET (1:00 PM PT)","ach_external":"No fee; 2–3 business days","charter":null,"hq_state":null,"website":"https://www.patelco.org","fee_schedule":"https://www.patelco.org/wp-content/uploads/2023/09/fee-schedule.pdf","checked_on":"2026-10-14"}}]}