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Zelle® for your business

It’s a fast and easy way to send and receive payments with businesses and accept payments from customers—all between eligible bank accounts in the U.S.¹

Click for How To

How it works:

Fast

Receive and send money directly to and from your bank account in minutes.¹

No Fees

Use Zelle® right from the Mobile Banking app² and Online Banking with no fees.

Convenient

Pay and get paid quickly. In the Mobile Banking app find your Recipients and look for the purple Z next to your contacts. You’ll see who’s using Zelle®.

Get started

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

Send or receive money with Zelle® phone screen

Use QR codes and Zelle® tags in our app

A Zelle® tag is a unique identifier that allows you to send and receive payments without sharing your personal information. Print yours out along with your QR code and display it anywhere customers or vendors will see it—online, on invoices or anywhere you accept payments.

Zelle® QR code phone screen

Use QR codes in the app

To receive money:

Tap Pay & Transfer on the bottom menu, then Zelle® and then Request.
Tap Scan to Pay and then tap My QR code next to the search bar to open your QR code OR after you've generated a QR code, click print or share to save a PDF of your code to be used on invoices, emails or point of sale signage.
Have the person paying scan your QR code within their mobile banking app.²
To simplify billing: Add QR codes to invoices to get paid fast.

How to create and use a Zelle® tag

Think of a Zelle® tag that fits with your small business (i.e., UncleFinsFishing Charters). This gives you privacy and anonymity when transacting in Zelle® but makes it easy for customers to recognize you. Consumer clients cannot create a Zelle® tag but can send or request money from your Zelle® tag.

When you’re in Zelle® and begin sending a payment, a message will display giving you the option to create a Zelle® tag or use a mobile number or email.

Select Create a Zelle® tag — a message will explain what Zelle® tags are. You can then select the Create a Zelle® tag button on the bottom of the screen to begin guided enrollment.

Enroll with Zelle® phone screen on the left; create Zelle® tag phone screen on the right

Zelle tag inquiries

You can also use Erica®³ to inquire about, add or manage a Zelle® tag. Erica will respond with a detailed explanation and give them the option to add a Zelle® tag.

Erica phone screen with arrow pointing to the Add Zelle® tag phone screen

Receive money

Get set up so you’re ready to receive money with Zelle®. All you need to do is enroll your U.S. mobile number or email address, and the money sent to you from an eligible person¹ will be sent directly to your Bank of America account. You’ll receive the money typically in minutes¹ and be set up to receive future payments.

Sign in and tap Pay & Transfer, then Zelle®. Then tap Settings and follow the instructions.
Check your text messages or email for a one-time code, so we can confirm your business account.
You’re all set!

Next time someone sends you money with Zelle®, it will be available in your account within minutes.¹

Send money

Need to pay a vendor or supplier?¹ Simple.

Tap Pay & Transfer, then Zelle® and then tap Pay.
Select or add your recipient.¹
Enter the amount and select your funding account.
Include an optional note and tap “Send Money.”

As a small business client, you may be able to send up to $15,000 per day with Zelle®.

See transaction limits

Did you know? You can use Zelle to set up regular recurring payments with vendors and providers you pay regularly.⁴

Start using Zelle® today

Download the Bank of America® Mobile Banking app to get started.

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Terms and Conditions

Explore our FAQs

Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a Zelle® eligible U.S. checking or savings account. Bank of America transfers must be made from an eligible consumer or business deposit account. Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back - for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1

Mobile Banking requires that you download the Mobile Banking app and may not be available for select mobile devices. Message and data rates may apply.

2

The mobile feature, Erica, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance.

3

This feature is available after 60 days of Zelle enrollment and in some circumstances, the feature may not be available for certain recipients.

4

Erica, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

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