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Zelle® Limits

Zelle® limit details

For your protection, we limit the amount of money and total transfers you can send in a specific time period:

IndividualsSmall Business*Merrill LynchPrivate Bank
Time periodDollar amountTotal transfersDollar amountTotal transfersDollar amountTotal transfersDollar amountTotal transfers
24 hours$3,50010$15,00020$15,00015$25,00015
7 days$10,00030$45,00060$45,00030$60,00030
30 days$20,00060$60,000120$60,00060$100,00060

Private Bank and Merrill Lynch Wealth Management clients may be subject to higher dollar limits and total transfers.

Single transaction minimum: $1

Single transaction maximum: $3,500 (Individuals) $15,000 (Small Business*)

While there are limits on what you can send using Zelle, there are no limits on what you can receive using Zelle.

*Zelle send limits are set at the customer profile (Online ID) and apply to all accounts visible in the “From” dropdown when initiating a Zelle payment. If you are a Small Business customer and are not receiving the Small Business limits, make sure you are signed in with your Small Business Online ID. If you don’t have a Small Business Online ID, enroll now using your Small Business account info, or contact us.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are herein under license.