It's fast and easy with no fees in our app or Online Banking. It’s Zelle.

Send and receive money with friends and family in minutes,1 no matter where they bank in the U.S.

How it works:

Fast

Send and receive money in minutes1 while keeping your account information private.

Easy

All you need is a U.S. bank account and a U.S. mobile number or email.

No fees

No fees to use Zelle® in our app2 or Online Banking.

Nearly Everywhere

Zelle® is in most people's banking apps, and money is sent directly between accounts.

Get started with Zelle®

Open the Bank of America® Mobile Banking app. Sign in and tap "Pay & Transfer," then Zelle® and follow the on-screen instructions.

You can also add the Bank of America widget to your home screen to link straight to your contacts, giving you fast, direct access to send and request money.

No matter where they bank in the U.S., you'll know if your friends and family are already using Zelle® — just look for the purple "z" next to their contact.

Phone with the screen showing the “pay bills, transfer, Zelle and wire” tiles, within the Bank of America® Mobile Banking app
Phone with screen showing how to schedule a payment within the Zelle app.

Schedule one-time or recurring payments with Zelle®

Use it for things like:

  • Monthly rent
  • Paying a babysitter or lawn service
  • Sending money to a student

It’s easy to use, just:

  • Tap "Pay" to set up recurring payments
  • Choose the date or dates you want your payment to be sent
  • Modify or cancel scheduled payments in Activity

Important information about payment scams

  • We will never call and ask you to send money using Zelle® to yourself or anyone.
  • We will never contact you via phone or text to ask for a security code.
  • We will never reach out to you and ask you to send money or provide a code. If someone unfamiliar to you does this, it's likely a scam.

Treat Zelle® payments like cash — once you send money, you're unlikely to get it back.

Learn more about trending scams

Start using Zelle® today

Enter your U.S. mobile number and we’ll text you a link to download the Bank of America® Mobile Banking app so you can get started.

Get the app

Enter your cell phone number

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