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Zelle® Limits

Zelle® limit details

NOTICE: To help support your needs, we are temporarily increasing small business Zelle limits. As a small business client, you will now be able to send up to $15,000 or 20 transactions during any 24-hour period, $45,000 or 60 transactions during any 7-day period, and $60,000 or 120 transactions in any 30-day period. Please note, these limits may change at any time, but the latest limits will be reflected below.

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

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

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.