Bank of America transfer limits vary significantly by transfer type: Zelle up to $3,500/day, ACH up to $5,000/day, and wire transfers up to $1,000/day online (much higher at a branch).
Here’s a complete breakdown of every BofA transfer limit and how to work within — or around — them.
Bank of America Transfer Limits Overview
| Transfer Method | Daily Limit | Monthly Limit | Speed |
|---|---|---|---|
| Zelle | $2,500–$3,500 | $20,000 | Minutes |
| ACH (external transfer) | $1,000–$5,000 | $10,000–$25,000 | 1–3 business days |
| Domestic wire (online) | $1,000 | Varies | Same day if before cutoff |
| Domestic wire (branch) | $100,000+ | Varies | Same day |
| International wire | $1,000 (online) | Varies | 1–5 business days |
| Internal BofA transfer | Unlimited | Unlimited | Instant |
Bank of America Zelle Limits
| Account Type | Per Day | Per Month |
|---|---|---|
| Standard personal checking | $2,500 | $20,000 |
| Established accounts | Up to $3,500 | $35,000+ |
| Business accounts | $15,000 | $60,000 |
Zelle limits are set by Bank of America (not Zelle) and may increase automatically based on account history.
Bank of America ACH Transfer Limits
ACH covers transfers between BofA and external bank accounts (other banks, credit unions, etc.).
| Account Status | Daily Limit | Monthly Limit |
|---|---|---|
| New accounts (< 30 days) | $1,000 | $5,000 |
| Standard accounts | $5,000 | $25,000 |
| Preferred Rewards Platinum+ | Higher limits may apply | Varies |
How to initiate an ACH transfer:
- Online Banking → Transfer → Transfer to another bank
- Add your external account (requires micro-deposit verification, 1–3 days)
- Schedule transfers up to your daily limit
Bank of America Wire Transfer Limits & Fees
Online Wire Limits
Bank of America’s online wire portal has notably low limits compared to the competition:
| Wire Type | Online Limit | Branch Limit |
|---|---|---|
| Domestic wire | $1,000/day | $100,000+ |
| International wire | $1,000/day | $100,000+ |
For most large wire needs, visiting a branch bypasses the online limit.
Wire Transfer Fees
| Fee Type | Standard | Preferred Rewards Platinum | Preferred Rewards Platinum Honors |
|---|---|---|---|
| Domestic outgoing | $30 | $30 | Free |
| International outgoing | $45 | $45 | Free |
| Incoming wire | $15 | $15 | Free |
Wire Cutoff Times
- Domestic wires: 5:00 PM ET for same-day processing
- International wires: 3:00 PM ET for same-day initiation
New Account Transfer Limits
Bank of America applies stricter limits to accounts less than 30 days old:
| Transfer Type | Limit (First 30 Days) |
|---|---|
| Zelle | $1,000/day |
| ACH external | $1,000/day |
| Online wire | $1,000/day |
Limits typically increase automatically after 30 days of account activity.
How to Increase Bank of America Transfer Limits
Temporary Increases
Call 800-432-1000 and request a temporary transfer limit increase. Bring:
- Reason for the transfer
- The amount needed
- Recipient information (for wire increases)
Permanent Increases
- Upgrade accounts to Advantage Relationship Banking
- Build Preferred Rewards status (Platinum/Platinum Honors get fee waivers and higher limits)
- Visit a branch — branch staff can process large transfers without the online cap
For Large One-Time Transfers
If you need to send more than your limit allows:
- Visit a BofA branch for a direct wire or cashier’s check
- Split ACH transfers across multiple days
- Use a cashier’s check for person-to-person large payments
Bank of America vs. Chase: Transfer Limits
| Transfer Type | Bank of America | Chase |
|---|---|---|
| Zelle daily | $2,500–$3,500 | $2,000–$5,000 |
| ACH daily | $5,000 | $10,000–$25,000 |
| Online wire (daily) | $1,000 | $25,000 |
Chase has notably higher ACH and online wire limits than BofA. If you frequently make large ACH transfers, Chase Premier Plus may be worth considering.
Bottom Line
Bank of America’s transfer limits work for everyday needs but have a significant gap in online wire capabilities ($1,000/day vs. $25,000+ at Chase online). For large transfers:
- Small-medium amounts: Zelle or ACH
- Large amounts same day: Branch wire
- Recurring large transfers: Consider Preferred Rewards status for fee waivers