Bank of America

Does Bank of America have Zelle? Yes: Bank of America offers Zelle in its mobile app and Online Banking, with no fee to send or receive. Consumer Zelle limits reach $3,500 per day and $20,000 per calendar month after 60 days of enrollment. A domestic wire costs $30 to send and $15 to receive, an international wire in U.S. dollars $45, and online wires sent by 5:00 PM ET go the same business day.

At a glance

• ZelleYes, in the app and Online Banking, no fee
• Zelle limits$3,500 per day, $20,000 per calendar month (after 60 days of enrollment)
• Domestic wire out$30
• Incoming wire$15, domestic or international (waived on some account tiers)
• International wire out$45 in U.S. dollars; no wire fee in foreign currency
• Wire cutoff5:00 PM ET, online banking

Sources: Online Banking Service Agreement · Personal Schedule of Fees · Checked on September 27, 2026

For the full enrollment and recipient table, read Bank of America Zelle limit.

Zelle at Bank of America

In the Bank of America mobile app or Online Banking, go to the Pay & Transfer tab. The bank states: “There’s no fee to send or receive money with Zelle using our mobile app or Online Banking.”

Consumer limits in the Online Banking Service Agreement (effective October 19, 2026, checked October 21, 2026):

• $1,000 per calendar day in the first 30 days of enrollment, $2,000 in days 31 to 60, then $3,500 per day and up to 10 transactions.
• $20,000 and 60 transactions per calendar month.
• $500 per day to a recipient not enrolled with Zelle.
• $2,000 per day to a new recipient for the first 5 days.
• The minimum Zelle transfer is $1.00. There are no receiving limits.

Zelle is not available on Advantage SafeBalance Banking for Family Banking accounts, according to the Personal Schedule of Fees. The updated agreement that took effect on October 19, 2026 keeps these Zelle limits unchanged from the August 27, 2026 version.

Sources: Zelle FAQs · Online Banking Service Agreement, effective October 19, 2026 · Checked on October 21, 2026

Wire transfers at Bank of America

Source: Personal Schedule of Fees, effective August 7, 2026 · Checked on September 27, 2026

Online Banking sends domestic and international outbound wires the same business day when you submit them by 5:00 PM ET. For consumers, these online wires are limited to $1,000 per transaction unless Secured Transfer or a USB security key is added; the minimum wire is $10.00.

Who pays less: Advantage Relationship Banking has no fee for incoming domestic wires. The incoming wire fee, domestic and international, is waived for BofA Rewards Preferred Plus, Preferred Honors and Premier tiers, and the Premier tier also qualifies for a waiver of the outgoing domestic wire fee.

Bank of America’s wire page says domestic wires “typically arrive the same day (business days only)” and international wires in 1 to 5 business days.

Source: Online Banking Service Agreement, effective October 19, 2026 · Wire transfers · Checked on October 21, 2026

Routing details, the information your recipient needs, timing and cancellation rules are on the Bank of America wire transfer page.

External transfers (ACH)

Transfers between your Bank of America account and your accounts at other banks in Online Banking cost $0.00. Next Business Day outbound transfers go up to $1,000 per transaction; Next Business Day and Three Business Day inbound transfers also go up to $1,000 per transaction. The cutoff for both is 8:00 PM ET. Daily and monthly limits may also apply, and Secured Transfer or a USB security key can raise them.

Source: Online Banking Service Agreement, effective October 19, 2026 · Checked on October 21, 2026

If a transfer is late or went wrong

If a Zelle payment shows as pending, see Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked into paying, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received. Contact Bank of America through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.