Learn more about Zelle in our Mobile Banking app

Zelle in our mobile app is a fast, safe way to send and receive money with friends, family, and businesses you trust no matter where they bank in the U.S. -- with no fees in our app.
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Zero fees in our app
Here's how to use it.
Sign in to our app and tap Transfer Zelle.
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First time using Zelle®?
If it's your first time using Zelle, tap Setup.
Follow the prompts to enroll, which include adding your U.S. mobile number or email that others can use to send you money.
Say you want to send $20 to Tim for yesterday’s lunch.
In Transfer Zelle tap Send.
Enter Tim’s contact information or select Tim from your contact list.
Enter the amount, select the account, and tap Continue.
Verify Tim’s information is correct, then tap Send.
If he’s already enrolled with Zelle, Tim will get a text or email saying you sent him money, and the funds will go directly to his bank account.
On screen copy:
New message
Sarah sent you $20 for lunch
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Money Will Go Directly to Bank Account
If he’s new to Zelle, the text or email will include a link with instructions on how to receive his money.
On screen copy: New message
Sarah sent you $20 for lunch
To accept your money visit: https://enroll.zellepay.com
You can also request money, like rent from your roommates, or to split expenses for that weekend trip.
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How to Request Money
Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
Keep in mind, with Zelle your money moves from your bank account to someone else's in minutes.
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Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® .
So it's important you know and trust who you are sending money to and never use it with others who you don't know, or to pay for goods and services you have not yet received.
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Never use Zelle With People Who You Don’t Know
Only use Zelle to pay for goods and services already received.
So next time you need to send or receive money, just open your Bank of America app and tap Transfer Zelle.
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What would you like the power to do?
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bankofamerica.com/Zelle
Zelle should only be used to send money to friends, family or others you know and trust.
We recommend that you do not use Zelle to send money to persons that you do not know. Transfers require enrollment in the service and must be made from an eligible Bank of America consumer deposit account to a domestic bank account or debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle offers a protection program for any unauthorized payments made with Zelle.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Screen images simulated. Sequences shortened. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
Bank of America and the Bank of America logo are registered trademarks of Bank of AmericaCorporation.
Bank of America, N.A. Member FDIC © Bank of America Corporation.
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Explore our FAQs

There are various methods of depositing checks.An in-person deposit with the bank teller lets you instantly access your newly deposited funds. Alternatively, although depositing your check at an ATM or via the mobile app may save you a trip to the bank, this may trigger extra wait time before the bank processes the check and makes the funds available to you.

If you bank at Bank of America, never make an ATM deposit there, especially if the money’s coming from another bank. Here’s why…

I’m a Bank of America account-holder, which is to say I’ve also been a Bank of America hostage.

For the last week, Bank of America has held a $2,080 deposit of mine — written by my business partner off her account with another bank — as “delayed.” For a week. For seven days, Bank of America customer service agents either wouldn’t or couldn’t explain why I could not access money that was properly deposited and is MY money.

Until last night.

Stimulus Check Mobile Deposit Bank Of America

Policy
  • Maybe you want to deposit checks too large for Bank of America’s mobile app deposit limits (where you deposit checks by taking a photo). You have a few options: Call Bank of America at 800-432-1000 and order some in the mail: time needed: days.
  • Check your mobile device If you're enrolled in this security feature, we sent a notification to your registered device. Verify your identity in the app now to sign in to Online Banking. Send notification again Sign In with Passcode instead. Bank of America, N.A.

After I raised a stink on social media (which is a #WiseStrategy you should read about here), a very professional BofA social media agent reached out. She explained to me that because I deposited the check via an ATM inside my neighborhood Bank of America branch and because the check was an unusual amount ($2,080? Not exactly a fortune) written from another bank’s account, it triggered a 7-day delay in making the funds available.

Well, that triggered me — not only because my own bank was holding my money hostage, but also because my bank may have violated federal law.

Bank Of America Check Deposit Mobile Limit

According to BankRate.com, federal regulations require that local funds deposited via an ATM must be made available no later than the second business day after the deposit, as long as the check was deposited on a banking day (mine was a non-holiday Monday), and the check was deposited in an ATM owned by the depositor’s bank (it was). Non-local checks can be held for five business days, but not a day longer.

As if she were doing me a favor, the BofA social media agent proudly announced she would release my funds to me, even though BofA sent me a notice that it intended to delay the deposit as long as eightbusiness days — again, in violation of federal regulations according to BankRate.com.

Mobile Check Deposit For Bank Of America

Of course, I have neither the time nor the money to sue Bank of America. But I do have my blog and the bully pulpit of Wise Choices…and I will soon be taking my banking elsewhere.

Cancel Mobile Check Deposit Bank Of America

Just so you know, here’s BankRate.com’s summary of federal regulations regarding the availability of deposited funds:

Mobile Check Deposit Bank Of America Time

  • Banks must post or provide a notice at each ATM location that funds deposited in the ATM may not be available for immediate withdrawal.
  • If a bank makes funds from deposits at an ATM it doesn’t own available for withdrawal later than funds from deposits at an ATM it does own, it must provide a description of how the customer can tell the difference between the two ATMs.
  • If you deposit money in an ATM that isn’t owned by your bank, the funds must be available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited.
  • Funds deposited at an ATM that is not on or within 50 feet of the premises of the bank are considered deposited on the day funds are removed from the ATM, if funds are not normally removed from the ATM more than two times each week.
  • A bank that operates an off-premises ATM from which deposits are not removed more than two times each week must disclose at or on the ATM the days on which deposits made at the ATM will be considered received.
  • Funds deposited at a staffed facility, ATM or contractual branch are considered deposited when they are received at the staffed facility, ATM or contractual branch.

Copyright 2018 Wise Choices TM. All rights reserved.

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