FAQs
Receive money
- Tap "Pay & Transfer" then "Zelle®."
- Then tap "Settings" and follow the instructions.
- Check your text messages or email for a one-time code, so we can confirm it's you.
- Next time someone sends you money, it will be available in your account within minutes.
How much does Bank of America let you send on Zelle? ›
Zelle transfer limits by bank
Bank | Daily Zelle transfer limit |
---|
Bank of America | $3,500 |
Capital One | $2,500 |
Chase | $500-$10,000 for each transaction, as dynamically determined by Chase |
Citibank: Citibank Account, Basic Account, Access Account | $2,500 for enrollments established more than 30 days ago |
7 more rowsMay 1, 2024
Why is my Zelle not working through my bank app? ›
One of the most common reasons for Zelle not working is insufficient funds in your bank account. Before initiating a transaction, ensure that you have enough money to cover the amount you wish to send or receive. If your account balance is low or in the negative, Zelle may not allow you to complete the transaction.
How do I get my Zelle account to receive money? ›
Someone sent me money with Zelle®, how do I receive it? If you have already enrolled with Zelle®, you do not need to take any further action. The money will move directly into your bank account associated with your profile, typically within minutes1.
Can I use the Zelle app instead of the bank app? ›
If your bank or credit union does not offer Zelle®, you can use the Zelle® app available through the app or play store with a valid Visa or Mastercard.
What is the limit for Bank of America online transfer? ›
Online, you can send up to 1,000 USD in a single transaction with Bank of America.
What is the maximum amount you can send on Zelle? ›
If your bank or credit union does not yet offer Zelle®, your weekly send limit is $500 and your weekly receive limit is $5,000 in the Zelle® app.
How long does a Zelle pending review take at Bank of America? ›
The length of time that a Zelle payment remains pending can vary depending on the circ*mstances. In some cases, it may only take a few minutes for the payment to process and clear. However, other transactions may take up to three business days to complete.
Why is my Zelle payment not coming through? ›
There may be an issue with the email address or mobile number they have enrolled with Zelle®. You may verify with the Recipient they have fully enrolled with the email address or mobile number you are trying to send money, and have opted into receive notification.
What is wrong with Zelle? ›
However, the service has been under fire by government officials for being an easy facilitator for fraud and theft. Zelle does not offer any protection for payments made through their services—which means that there's no safeguard for customers if a transaction goes wrong.
Your payment may fail and/or your scheduled payments may be canceled for these reasons: The payment account is closed, doesn't have available funds or is ineligible to use Zelle. The recipient's account number, email address or mobile number is invalid. The recipient has been deleted.
How does Zelle work with Bank of America? ›
Get set up so you're ready to receive money with Zelle®. All you need to do is enroll your U.S. mobile number or email, and the money will move directly into your Bank of America account. You'll receive the money in minutes 1 and also be set up to receive future payments.
What banks does Zelle not work with? ›
Some notable financial institutions that NerdWallet has reviewed and that don't participate directly in the Zelle network include Alliant Credit Union, American Express, Barclays, Connexus Credit Union, LendingClub Bank, Marcus by Goldman Sachs, Pentagon Federal Credit Union, SoFi and Synchrony Bank.
What is the disadvantage of using Zelle? ›
Cons. Limited functionality: Zelle only allows person-to-person transfers between U.S. bank accounts. If you want to add a credit card to make payments or send money to someone internationally, you'll need to use another payment app.
How do I share my Zelle link? ›
- Select Transfer & pay icon at the bottom of your dashboard.
- Select Send & request money with Zelle®.
- Choose the squares icon to the right of "Manage recipients".
- Your Zelle® QR code will display. Select the upload icon (box with arrow pointed up) to share the code or print it from your device.
How to receive money from Zelle without a bank account? ›
You may find you can't use Zelle without a bank account - the only commonly available workaround is by using an eligible prepaid Visa or Mastercard debit card from within the Zelle network.
What is my Zelle ID? ›
Your email address or mobile phone number is your Zelle® user ID. Zelle® participants will use your email address or mobile phone number to transact with you through Zelle®.
Can a Zelle business account send money to a personal account? ›
Who can I send money to with Zelle® with my business bank account? You can send money to other eligible businesses that bank with a financial institution that offers Zelle® to businesses. You can also send money to consumers who use Zelle® directly through their bank's mobile app or online banking.