Bank comparison tables: Zelle banks and wire cutoff times

Side-by-side tables built from each bank’s own pages, every figure with its source and check date.

These bank comparison tables are filled from our bank pages, which list the source and date behind every figure: which banks use Zelle and what they let you send, and when each bank’s same-day wire cutoff falls in ET. When a bank changes a fee, limit or cutoff, its page and every table that shows it change together. If someone abroad is sending you money, the codes they need are in swift codes for us banks.

Members of a credit union can check theirs in credit unions that use Zelle, with each one’s published limits.

The days next year when wires and bank transfers pause are listed in federal reserve holidays 2027.

This page lists facts from each bank’s own pages. It is not financial advice.

Tables

Zelle

Banks that use Zelle: US banks and credit unions

Banks that use Zelle: participation and sending limits at 43 US banks and credit unions, checked on their own pages with sources and dates.

Credit unions

Credit unions that use Zelle: 12 checked

Which credit unions use Zelle: 10 of 12 checked offer it, from Navy Federal to Patelco, with the limits each publishes and the two that do not.

Wires

Wire transfer cutoff times by bank (in ET)

The wire transfer cutoff time and domestic fees at 37 US banks and credit unions, in ET where specified, from their own pages with check dates.

Incoming wires

Incoming wire transfer fees by bank: domestic and international

The incoming wire transfer fee at 40 US banks and credit unions, domestic and international, from each bank's own pages with check dates.

International wires

International wire transfer fees: what US banks charge

What big US banks charge to send and receive international wires, from their own fee schedules.

Apps

Instant transfer fees: Cash App, Venmo and PayPal side by side

Getting money out in minutes costs a percentage. Here is what each app charges, per its own fee pages.

ACH

ACH transfer limits by bank: daily and monthly caps

ACH transfer limit by bank: daily and monthly caps at 16 US banks and credit unions, $2,000 to $25,000 a day, with fees and cutoffs from each bank's terms.

Holidays

Federal Reserve holidays 2027: dates and what closes

The Federal Reserve holidays 2027: 11 dates, 9 weekday closures, the Saturday and Sunday rules, and when Fedwire, FedACH and FedNow run.