Zelle daily limits at Bank of America is Up to $3,500 (across up to 10 transactions) for Personal (Consumer) Accounts. The bank’s terms note that limits apply on an aggregate basis across all your Bank of America accounts enrolled with Zelle.
Here’s the most accurate and up-to-date information regarding Zelle daily limits at Bank of America:
Zelle Transfer Limits at Bank of America
For Personal (Consumer) Accounts
Daily Limit: Up to $3,500 (across up to 10 transactions).
Weekly Limit: Up to $10,000 (within roughly 30 transactions)
Monthly Limit (rolling 30-day): Up to $20,000 (within roughly 60 transactions).
The bank’s terms note that limits apply on an aggregate basis across all your Bank of America accounts enrolled with Zelle, and may be adjusted for security reasons or account standings.
For Small Business Accounts
Daily Limit: Up to $15,000.
Weekly Limit: Up to $45,000, or a maximum of 60 transactions.
Monthly Limit: Up to $60,000, or a maximum of 120 transactions.
How It Works & Additional Details
Rolling Periods: Limits are based on a rolling 24-hour (daily), 7-day (weekly), or 30-day (monthly) period—not tied to calendar boundaries.
Enrollment Periods: Newly enrolled users typically face lower limits at first. As your account ages (e.g., after 15 or 60 days), your limit gradually increases, often up to the full $3,500 daily for consumers.
Recipient Limits: Sending to recipients who are not enrolled with Zelle or are newly added may come with special per-recipient caps, usually lower than your general limit.
Security Adjustments: Bank of America may lower limits temporarily to prevent fraud or protect your account, and may not explicitly disclose these changes.
Also Read : Dead By Daylight Redeem Codes
Summary Table
| Account Type | Daily Limit | Weekly Limit | Monthly Limit |
|---|---|---|---|
| Personal (Consumer) | $3,500 (10 txns) | $10,000 (30 txns) | $20,000 (60 txns) |
| Small Business (SMB) | $15,000 | $45,000 (60 txns) | $60,000 (120 txns) |
What This Means for You
Know Your Limits: If you’re using a personal Bank of America account, you’re capped at $3,500/day totaling $20,000 within 30 days, including a $10,000 weekly benchmark.
Business vs. Personal: Small business accounts offer significantly more flexibility with markedly higher limits.
Plan Ahead: For large transactions, consider spreading them over multiple days or utilizing alternate methods (e.g., internal transfers, ACH, or wire transfers).
Check in App or Online: The mobile app or online banking may display your individual limits when you initiate a transfer in the Zelle section. These figures can vary by user and account history
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