Citizens Bank supports Zelle with limits of $2,500 daily and $10,000 monthly. ACH external transfers up to $5,000/day. Outgoing domestic wires cost $30; incoming domestic wires are $18 to $28 depending on how they are sent.
Citizens Bank Transfer Limits Summary
| Transfer Type | Daily Limit | 30-Day Limit | Fee |
|---|---|---|---|
| Zelle (send) | $2,500 | $10,000 | $0 |
| Zelle (receive) | No limit | No limit | $0 |
| ACH outbound | $5,000 | Varies | $0 |
| ACH inbound | $5,000 | Varies | $0 |
| Domestic wire (outgoing) | Balance-limited | — | $30 |
| Domestic wire (incoming) | No limit | — | $18–$28 |
| International wire (outgoing) | Business hours | — | $40 |
| International wire (incoming) | No limit | — | $12 |
| Mobile deposit | $5,000 | $10,000 | $0 |
Zelle at Citizens Bank
Citizens Bank is a Zelle network participant:
- Sending limit: $500/day (lower than Huntington $2,500 or Wells Fargo $3,500)
- 30-day limit: $2,000
- Receiving: No stated limit
- Speed: Minutes for enrolled recipients
- Fee: Free
Citizens’ Zelle limits are $2,500 daily and $10,000 monthly. For larger P2P transfers, ACH or wire is more appropriate.
Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Outgoing domestic | $30 |
| Incoming domestic | $18 (mail), $26 (fax), $28 (phone) |
| Outgoing international | $40 |
| Incoming international (U.S. dollars) | $12 |
These are the amounts in Citizens’ fee guide for its standard personal accounts.
Related Guides
- Citizens Bank fees 2026 — monthly fees, overdraft, wire
- Citizens Bank routing number 2026 — needed for ACH and wires
- Citizens Bank mobile deposit limit 2026 — where to find your limit, cutoff and hold rules
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