Does Bank of America Have Zelle? Yes! Here’s How to Use It

Zelle has become one of the used mobile payment apps in the country – and for good reason. It lets you transfer money from one bank account to another for a few minutes using only one email address or phone number. Up to 2025, more than 100 million people have access to Zelle directly through their banking app, and more than 2,200 financial institutions support peer-to-peer (P2P) payment services.

Bank of America is working with Zelle

The Bank of America's Banking App is included with Zelle. As long as you have a fitted account in the Bank of America (consumer or business) deposit, you can enroll in Zelle in the bank's own mobile app.

However, the person who sends you money or receives money from the must have a US bank account and will be enrolled in Zelle for the transaction that passes.

*There is no monthly maintenance fee each statement cycle when you encounter one of the following: one with -owned this account is under the age of 25, maintain a minimum -day -to -day balance of $ 500 in your account or a member of the Bank of America who preferred rewards.

How to use Zelle in Bank of America

Here's how to set up Zelle and start sending and receiving money from your Bank of America's mobile app:

1. Open your Bank of America Mobile Banking App.
2. Sign in and Tap Pay and move.
3. Select Zelle.
4. Enter your email or phone number to enroll and receive a one-time verification code to verify your enrollment.
5. Tap Pay To start a transaction.
6. Enter the recipient's email address or phone number. You can also tap Add from the contacts to choose from existing contacts on your phone.
7. Enter the amount you wish to send.
8. Check and press Ok To confirm.

Asking for money from your Bofa mobile app using Zelle follows the same steps. But instead of picking PayYou choose Request.

If the person you are sending money or asking for money from before Zelle, they will receive a text or email explaining how to start. If they are already enrolled, they will get a notice once the payment is sent and usually receive money within minutes.

Is Zelle free from the Bank of America?

Yes. Zelle is free at Bank of America. There are zero fees to send or receive money with Zelle using a mobile app or online banking. That is said, would like to check your Deposit Agreement and Personal schedule of fees To see if there are any fees related to your deposit accounts.

Bank of America's Limitations of Zelle

For security, the Bank of America prevents the number of transactions and the amount of dollar you can send on any daily, seven days or 30-day period. The limit is also different for individual accounts and small business accounts.

Individuals

Small business

Zelle alternatives

Zelle does not have a standalone app until April 2025. Zelle is very convenient, but only for those with bank accounts in her program. Check other P2P payment apps if you want to explore other options:

• Cash app. The cash app is a Peer-to-Peer payment service similar to Zelle that allows you seamlessly to transfer money using only one mobile app. But what's different from the cash app from Zelle is that there is also an option to get a visa debit card for ATM removal.
• Paypal. Although Zelle is free of charge, it only works within the United States. Paypal, on the other hand, may come with some fees, but allows you to send money to people in other countries. You can also shop online with your PayPal balance, PayPal Debit Card or PayPal Credit Card.
• Clever. The wise is another solid choice for sending money around the world. It's not like Zelle right away for our transfers, but it offers low fees and real exchange rates when you send money abroad.
• Venmo. Like Zelle, Venmo doesn't charge you to use the service. However, with Venmo, the money sent to you will not be automatically deposited in your bank account. Instead, Venmo is like a digital purse that holds money for you before you can move the value to your bank.
• Pay of Google. Google Pay lets you send money to friends and family directly from your phone or email. It is available for both Android and iOS users, and it also includes your bank account or debit card.

Bottom line

You can use Zelle in the Bank of America if you have a fitted Bank of America Consumer or Business Deposit Account. This means you can easily send and receive money from your BoA ​​mobile app without having to download a separate app.

Don't worry if you're not a Bofa customer yet. Bank of America is not the only bank that works with this mobile payment app – compare more top banks that support Zelle.

Jamela Adam is a personal financial writer with more than three years of experience. His work has been published in basic publications, including Yahoo Finance, Forbes Advisor, US News, Business Insider, Gobankingrates, CNN underscored, and Chime. Jamela had previously worked as a content marketing specialist and helped create content techniques for major brands in the financial service space. He is also a Certified Financial Education Instructor (CFEI). See the whole bio