Bank of America’s current service agreement lists consumer Zelle limits of $1,000 per day during the first 30 days of enrollment, $2,000 per day on days 31–60, and $3,500 per day after 60 days. The listed monthly cap is $20,000. Transaction-count limits also apply, and the amount available to you may be lower; check the limit shown in your payment flow before sending.
Bank of America consumer Zelle limits
The current Bank of America service agreement sets these consumer limits by how long the account has been enrolled in Zelle:
| Time enrolled | Daily limit | Monthly limit |
|---|---|---|
| First 30 days | $1,000 and 10 transactions | $20,000 and 60 transactions |
| Days 31–60 | $2,000 and 10 transactions | $20,000 and 60 transactions |
| More than 60 days | $3,500 and 10 transactions | $20,000 and 60 transactions |
These are the published limits in Bank of America’s online banking service agreement, checked October 8, 2026. The agreement says the limits aggregate across Bank of America accounts enrolled with the same service profile.
Recipient-specific caps can be lower
Your overall daily limit is not necessarily available for every recipient. For consumers, Bank of America lists a $500 daily cap for a recipient who is not enrolled with Zelle and a $2,000 daily cap for a recipient newly added during their first five days. These caps apply to that particular recipient and can limit a transfer even when your overall daily allowance is higher.
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The bank says it may temporarily permit a higher amount for certain recipients based on transaction history and risk factors. Such an exception is specific to the recipient and does not change your overall limit or ensure that a later payment will qualify. Bank of America may also change or reduce limits for security reasons.
When do Bank of America Zelle limits reset?
The service agreement’s consumer limit schedule says daily limits reset at 12:00 a.m. Eastern each calendar day. Monthly limits reset at 12:00 a.m. Eastern on the first calendar day of the month.
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Bank of America’s Zelle FAQ says limits can depend on a customer profile and may use rolling or calendar measurement periods. Because the FAQ does not establish which measurement applies to every customer, use the limit and timing shown in your own payment flow rather than assuming another profile’s reset rules apply to you.
Small-business Zelle limits are different
Bank of America publishes a separate schedule for small-business customers using their small-business User ID:
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| Time enrolled | Daily limit | Monthly limit |
|---|---|---|
| Through day 15 | $2,000 and 20 transactions | $100,000 and 120 transactions |
| Days 16–30 | $4,000 and 20 transactions | $100,000 and 120 transactions |
| Days 31–60 | $8,000 and 20 transactions | $100,000 and 120 transactions |
| More than 60 days | $15,000 and 20 transactions | $100,000 and 120 transactions |
For small-business accounts, the agreement also lists a $2,000 daily cap for an unenrolled recipient and a $4,000 daily cap for a recipient newly added during their first five days.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to check your available limit
- Sign in to Bank of America Online Banking or open the mobile app.
- Go to Pay & Transfer, choose Zelle, and begin setting up the payment.
- Review the displayed amount and recipient details, including the enrolled recipient name, before confirming. Bank of America says the applicable limit may appear in this flow.
The agreement sets a $1 minimum for a single Zelle transfer and says there are no receiving limits. Your sending limit may still be lower than the published schedule based on your profile, enrollment history, recipient, or security-related factors.
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