Bank of America transfer limits depend on the transfer type: Zelle allows $1,000 to $3,500 a day depending on how long you have been enrolled with Zelle, while online ACH transfers to another bank and online wires are capped at $1,000 per transaction for personal accounts. These figures come from Bank of America’s Online Banking Service Agreement, effective August 27, 2026; an updated agreement takes effect October 19, 2026 and keeps the same Zelle, ACH and wire limits.
Here’s a breakdown of each BofA transfer limit and how to work within — or around — them.
Bank of America Transfer Limits Overview
Personal (consumer) limits under the Online Banking Service Agreement effective August 27, 2026:
| Transfer Method | Sending Limit | Monthly Limit | Cutoff and Timing |
|---|---|---|---|
| Zelle | $1,000–$3,500/day (by Zelle enrollment tenure) | $20,000 | Typically minutes |
| ACH to another bank (next business day) | $1,000 per transaction | Not published (may apply) | 8:00 PM ET; next business day |
| Domestic wire (online) | $1,000 per transaction | Not published (may apply) | 5:00 PM ET; typically same day |
| International wire (online) | $1,000 per transaction | Not published (may apply) | 5:00 PM ET; typically 1–5 business days |
| Between your own BofA checking/savings | $9,999,999.99 per transfer | None stated | 10:45 PM ET |
For ACH and wires, the agreement says “daily and monthly limits may also apply” without listing them, and the limits are set per Online Banking User ID, so they cover every account you can send from.
Bank of America Zelle Limits
| Account Type | Zelle Enrollment | Per Day | Per Month |
|---|---|---|---|
| Personal | 30 days or less | $1,000 (10 transactions) | $20,000 (60 transactions) |
| Personal | 31–60 days | $2,000 (10 transactions) | $20,000 (60 transactions) |
| Personal | More than 60 days | $3,500 (10 transactions) | $20,000 (60 transactions) |
| Small business | 15 days or less | $2,000 (20 transactions) | $100,000 (120 transactions) |
| Small business | 16–30 days | $4,000 (20 transactions) | $100,000 (120 transactions) |
| Small business | 31–60 days | $8,000 (20 transactions) | $100,000 (120 transactions) |
| Small business | More than 60 days | $15,000 (20 transactions) | $100,000 (120 transactions) |
Source: Online Banking Service Agreement, effective August 27, 2026. Bank of America sets these limits by how long you have been enrolled with Zelle, not by account balance. Lower per-recipient limits also apply: personal customers can send up to $500 a day to someone who isn’t enrolled with Zelle and up to $2,000 a day to a recipient added in the last 5 days ($2,000 and $4,000 for small business). Bank of America may change Zelle limits for security reasons and doesn’t disclose every limit. There are no receiving limits for Zelle.
Bank of America ACH Transfer Limits
ACH covers transfers between BofA and accounts at other banks or credit unions. Limits under the Online Banking Service Agreement effective August 27, 2026:
| Transfer Type | Personal | Small Business |
|---|---|---|
| Next-business-day ACH, sending (per transaction) | $1,000 (no fee) | $5,000 ($5.00 fee) |
| Three-business-day ACH, sending (per transaction) | Not listed for personal accounts | $5,000 ($1.00 fee), if eligible |
| ACH pulled in from your account at another bank (per transaction) | $1,000 | Not offered |
The cutoff for ACH transfers is 8:00 PM ET. Bank of America doesn’t publish daily or monthly ACH totals, but says they may apply. Adding Secured Transfer or a USB security key may make you eligible for higher limits, and Private Bank and Merrill clients may have higher ones.
How to send an ACH transfer:
- In Online Banking or the mobile app, add the external account. You’ll need to provide identifying details, and Bank of America denies the request if it can’t verify that you own the account.
- Choose next-business-day delivery and an amount within your limit.
- Submit by 8:00 PM ET on a business day.
Bank of America Wire Transfer Limits & Fees
Online Wire Limits
To initiate a wire you’ll need the recipient’s name, address, bank wire routing number and account number — see the Bank of America routing number guide for BofA’s wire routing number (026009593) and SWIFT code.
| Wire Type | Personal (online) | Small Business (online) |
|---|---|---|
| Same-business-day domestic wire | $1,000 per transaction | $5,000 per transaction |
| International wire | $1,000 per transaction | $5,000 per transaction |
Source: Online Banking Service Agreement, effective August 27, 2026. Daily and monthly limits may also apply. For transfers over the limit set by your account type, Bank of America asks you to register for Secured Transfer or a USB security key. You can also make an appointment to send a wire at a Bank of America financial center; Bank of America doesn’t publish a branch wire limit.
Wire Transfer Fees
From the Personal Schedule of Fees, effective August 7, 2026:
| Fee Type | Standard | BofA Rewards Preferred Plus/Preferred Honors | BofA Rewards Premier |
|---|---|---|---|
| Domestic outgoing | $30 | $30 | Free |
| International outgoing (USD) | $45 | $45 | $45 (not waived by tier; no fee if sent in foreign currency) |
| Incoming domestic wire | $15 | Free | Free |
| Incoming international wire | $15 | Free | Free |
International wires sent in foreign currency have no wire fee, but exchange-rate markups apply. The incoming domestic wire fee is also waived on Bank of America Advantage Relationship Banking, Advantage with Tiered Interest Checking and Advantage Regular Checking accounts. The Bank of America fees guide covers the full fee schedule alongside all other account charges.
Wire Cutoff Times
- Domestic wires: 5:00 PM ET; funds typically arrive the same business day
- International wires: 5:00 PM ET; funds typically arrive in 1 to 5 business days, depending on the currency and the receiving bank
New Account Transfer Limits
The Online Banking Service Agreement doesn’t set a separate new-account tier for ACH or wire transfers; the $1,000 per-transaction consumer limits apply from the start. What changes early on:
| Transfer Type | What’s Different at First |
|---|---|
| Zelle | $1,000/day for your first 30 days of Zelle enrollment, $2,000/day for days 31–60 |
| Zelle scheduling | Future-dated and recurring Zelle payments may be unavailable for the first 60 days after enrollment |
| ACH pulled in from another bank | If three-business-day inbound ACH is offered to you, next-business-day inbound ACH requires at least $500 received through it first, with the first transfer at least 60 days earlier |
Zelle limits rise with enrollment tenure, not with account activity.
How to Increase Bank of America Transfer Limits
- Add Secured Transfer or a USB security key. For ACH and wires, Bank of America says you may be eligible for higher transaction limits if you add Secured Transfer (a one-time passcode sent to your mobile device) or register a USB security key. You’re prompted to register when a transfer is over the limit for your account type.
- Zelle exceptions. Bank of America may temporarily allow a higher Zelle limit for a specific recipient based on your transaction history and other risk factors, and shows it in Online Banking or the app when you set up the payment. It applies only to that recipient.
- Private Bank and Merrill clients may have higher limits; Bank of America says to contact your advisor.
- Small business customers not seeing small business limits should log in with their small business User ID.
- Other questions: contact Bank of America through its contact page or call the number on the back of your card.
For Large One-Time Transfers
If you need to send more than the online limits allow:
- Make an appointment to send a wire at a Bank of America financial center
- Get a cashier’s check, available for a fee at financial centers
Bank of America vs. Chase: Zelle Limits
| Bank of America | Chase | |
|---|---|---|
| Zelle daily (personal) | $1,000–$3,500 | $500–$10,000 |
| How the limit is set | By how long you’ve been enrolled with Zelle | By the limit tier Chase assigns each payment, shown in the app when you set it up |
Sources: Bank of America Online Banking Service Agreement (effective August 27, 2026); Chase Zelle Service Agreement (last updated March 18, 2026). Chase’s figures are its consumer tiers; Chase Private Client and business tiers run $1,000–$15,000.
Bottom Line
Bank of America’s online limits suit everyday transfers: Zelle up to $3,500 a day once you’ve been enrolled for more than 60 days, and $1,000 per transaction for personal online ACH transfers and wires. For larger amounts:
- Small-medium amounts: Zelle, or ACH within the $1,000 per-transaction limit
- Larger online transfers: add Secured Transfer or a USB security key, which may raise ACH and wire limits
- Large amounts: book a wire at a financial center, or get a cashier’s check
For a full overview of Bank of America accounts, fees, limits, and contact information, see the Bank of America complete guide.
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