Zelle is a fast, safe and easy way to send and receive money with friends, family or others in minutes,adatext between domestic bank accounts at U.S. financial institutions. Using just their U.S. mobile number or email address you can send money directly to their bank account right from yours with no fees using the Bank of America Mobile Banking app or Online Banking.
Learn more about Zelle for individuals
Learn more about Zelle for eligible businesses
Learn more about Zelle for individuals
Learn more about Zelle for eligible businesses
There’s no fee to send or receive money with Zelle using our Mobile Banking app or Online Banking.
Neither Bank of America nor Zelle offers a protection program for any authorized payments using Zelle.
Please remember: While Zelle is a great way to send money to family, friends and people that you know and trust (such as your personal trainer, roommate, babysitter or a neighbor), we recommend you do not use Zelle for potentially high-risk transactions (for example, if you don’t know the person) or aren’t absolutely certain you’ll get what you paid for (for example, items bought from an online bidding or sales site).
Please remember: While Zelle is a great way to send money to family, friends and people that you know and trust (such as your personal trainer, roommate, babysitter or a neighbor), we recommend you do not use Zelle for potentially high-risk transactions (for example, if you don’t know the person) or aren’t absolutely certain you’ll get what you paid for (for example, items bought from an online bidding or sales site).
To receive money with Zelle, you’ll need to enroll your U.S. mobile number or email address (the sender needs to use the specific email address or U.S. mobile number that you enrolled). Please note that only U.S. mobile numbers are eligible. Voice over IP (VOIP), landlines and Google voice numbers are not eligible for Zelle enrollment.
Not a Bank of America customer? You can still receive money using Zelle. Visit the Zelle enrollment page and follow the instructions.
Not a Bank of America customer? You can still receive money using Zelle. Visit the Zelle enrollment page and follow the instructions.
If you’re enrolled with Zelle: In addition to receiving an email or text from Bank of America alerting you that you’ve received money, you can view incoming and outgoing Zelle payments in your Zelle Activity.
If you're not enrolled with Zelle: You’ll receive an email or text from Zelle with instructions on how to enroll to receive your money.
See how to enroll with Zelle for individuals
See how to enroll with Zelle for eligible businesses
If you're not enrolled with Zelle: You’ll receive an email or text from Zelle with instructions on how to enroll to receive your money.
See how to enroll with Zelle for individuals
See how to enroll with Zelle for eligible businesses
If you were expecting to receive an authorization code via email, make sure you entered your email address correctly, check your spam folder and make sure you’re not blocking emails from onlinebanking@ealerts.bankofamerica.com.
If you were expecting to receive an authorization code via text and didn’t, make sure you: used a U.S. mobile number, you entered it correctly, and check with your mobile carrier that the short code 739-81 is enabled. Voice over IP (VOIP), landlines and Google voice numbers are not eligible for Zelle enrollment.
Please note that we will never call you to provide you with (or ask you for) an authorization code by phone. If you received a phone call telling you you’ve received a code, it is very likely a scammer trying to obtain access to your account. Learn more about account security
If you were expecting to receive an authorization code via text and didn’t, make sure you: used a U.S. mobile number, you entered it correctly, and check with your mobile carrier that the short code 739-81 is enabled. Voice over IP (VOIP), landlines and Google voice numbers are not eligible for Zelle enrollment.
Please note that we will never call you to provide you with (or ask you for) an authorization code by phone. If you received a phone call telling you you’ve received a code, it is very likely a scammer trying to obtain access to your account. Learn more about account security
To send money with Zelle, log in to the Mobile Banking app or Online Banking and select Transfer | Zelle® in the navigation menu. If you know that your recipient is enrolled with Zelle, you should ask if they want you to send money to their U.S. mobile number or email address. Once you send money, both you and your recipient will be notified. Send money now
Once you send or request money to or from someone new, they’ll be added to your recipient list so you can easily send/receive in the future using our Mobile Banking app or Online Banking.
To add a new trusted recipient using the mobile app: Navigate to Manage Recipients and select ADD FROM CONTACTS or enter the recipient’s email address or U.S. mobile phone number in the search bar (once you do, you’ll automatically be taken to the next step).
To add a new trusted recipient using Online Banking: Log in to Online Banking and select Send Money to Someone from the Transfer | Zelle® menu. Choose Using their U.S. mobile number or email address then select Add email or mobile recipient next to the To field.
To add a new trusted recipient using the mobile app: Navigate to Manage Recipients and select ADD FROM CONTACTS or enter the recipient’s email address or U.S. mobile phone number in the search bar (once you do, you’ll automatically be taken to the next step).
To add a new trusted recipient using Online Banking: Log in to Online Banking and select Send Money to Someone from the Transfer | Zelle® menu. Choose Using their U.S. mobile number or email address then select Add email or mobile recipient next to the To field.
For your security, we restrict the number of transactions and the dollar amount you can send to recipients in any 24-hour, 7-day and 30-day period. View Zelle transaction limits
If your recipient is enrolled with Zelle, money is typically available within minutes. If your recipient isn’t enrolled, they will need to enroll to receive their money. Once they enroll, money is typically available in their account in minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls. If your recipient does not enroll within 14 days of when the money is sent, the money is released back to your account, and the transaction is cancelled.
You can see incoming and outgoing Zelle payments (both pending and completed) on the Zelle Activity page. You can also ask Erica® on our Mobile Banking app to view your Zelle activity.
When sending money to a recipient not yet enrolled with Zelle, Bank of America will deduct the funds from your available balance and place a hold on that amount until the recipient enrolls with Zelle and is able to receive your payment. Your recipient has 14 days to enroll with Zelle before the payment is canceled, the hold is removed and the funds are released back into your account.
You can only cancel pending payments to recipients not yet enrolled with Zelle. You can see incoming and outgoing Zelle payments (both pending and completed) on the Zelle Activity page.
First, check the status of your payment. You can see incoming and outgoing Zelle payments (both pending and completed) on the Zelle Activity page. You can also ask Erica® on our Mobile Banking app to view your Zelle activity.
If the payment status is Pending, make sure the recipient enrolls with Zelle using the email address or U.S. mobile number to which you sent money. Once they enroll, money moves directly to their account.
If the payment status is Paid, verify that the U.S. mobile number or email address you used to send money to your recipient matches the U.S. mobile number or email address associated with your recipient’s Zelle enrollment.
Note: In some cases, payments may also be delayed for your protection -- for example if Zelle or Bank of America suspect that fraudulent activity is taking place. If you still have questions, please contact us.
If the payment status is Pending, make sure the recipient enrolls with Zelle using the email address or U.S. mobile number to which you sent money. Once they enroll, money moves directly to their account.
If the payment status is Paid, verify that the U.S. mobile number or email address you used to send money to your recipient matches the U.S. mobile number or email address associated with your recipient’s Zelle enrollment.
Note: In some cases, payments may also be delayed for your protection -- for example if Zelle or Bank of America suspect that fraudulent activity is taking place. If you still have questions, please contact us.
If you send money to a U.S. mobile number or email address that differs from the contact information of your intended recipient, check the Pending section of your Zelle activity. If the status of your payment is Pending, you can cancel it. If the payment is displayed in History, please contact us.
If your U.S. mobile number or email address is associated with another bank and you want money sent to your Bank of America account instead, you can change it in our Mobile Banking app (please note that this functionality is not available in Online Banking). In order to do this, simply follow the Receive money instructions.
If you want to continue receiving money at your other bank, you can use a different U.S. mobile number or email address to enroll with Zelle with Bank of America.
If you want to continue receiving money at your other bank, you can use a different U.S. mobile number or email address to enroll with Zelle with Bank of America.
Yes. While you can enroll, send and view your Zelle activity in both Online Banking and our Mobile Banking app, the app allows you to access more advanced features like request money and splitting from multiple recipients at once.