Replace paper checks with electronic payments and get your money faster

We know it can be frustrating when deposits made with paper checks result in a hold. That's why we recommend asking to be paid electronically with direct deposit, Zelle®1, ACH or wires, so you can get your money right away.

When you expect your paycheck or other deposits to be in your account on a certain day for rent, car payments, or everyday purchases, we know it's frustrating to wait on a check deposit hold.

By receiving money electronically

—instead of with paper checks—

you'll avoid check deposit holds

and get your money faster.

One way to do this is by signing up for direct deposit with your employer.

Simply log in to Online Banking

to get a prepopulated form you can give to your HR or payroll department.

With direct deposit,

your paycheck gets sent electronically to your account,

and you'll typically be able to access your money right on payday.

Another way to avoid check deposit holds

is to request—and receive—money with Zelle®.

Zelle lets you send, request and receive money with almost anyone who has a bank account in the U.S.

—all with no fees—right from your Bank of America app.

It's fast…

It's safe…

It's easy.

And since money moves directly from one account to another, without checks involved, there's no risk of a check deposit hold.

If you don't already use Zelle® with Bank of America, tap "Transfer | Zelle®", then tap "Set Up".

Follow the on-screen instructions to complete enrollment...

Then, once you're set up, tap "Request"…

And enter the U.S. mobile number or email address of the person or business who owes you money.

Enter the dollar amount

and choose the account you want the money to go to…

Then review your request.

If you'd like, add a message to let your recipient know what you're requesting money for, then tap "Request."

If the recipient is enrolled with Zelle®, they'll get a text or email from their bank allowing them to respond to your request.

Once they send it, you'll be notified, and your money will move into your account in minutes.

Signing up with your employer to get your paycheck via direct deposit

and using Zelle® instead of checks

can help you get the most out of your Bank of America account and get your money faster.

Together, they'll make checks and check deposit holds a thing of the past.

Bank of America® logo

To learn more, visit slash direct deposit or slash Zelle®.

This brief video explains how to switch from paper checks to electronic payments.

Ways to receive payments electronically

Direct deposit

Setting up direct deposit through your employer means your money will typically be available on payday. It's that simple.

> Learn more


Send and receive money in minutes with Zelle, and it’s free in our app.1

> Learn more

ACH transfer

Use your bank account and transit routing numbers to receive ACH transfers. (Some fees may apply).2

> Learn more

Wire transfer

Domestic wire transfers are usually available within a day or less, while international transfers are usually available within two days.

> Learn more

Paper checks and deposit holds explained.

Learning about the deposit process can help you understand why deposit holds sometimes happen.

Electronic Payments BMH video poster

1 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 and must be made from an eligible Bank of America consumer or business deposit account to a domestic bank account or consumer debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. 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 at for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Regular account fees apply. Payments made between consumers enrolled with Zelle do not typically incur transaction fees.

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

2 Fees apply to wires and certain transfers. See the Online Banking Service Agreement for details. Data connection required for online and mobile transfers. Wireless carrier fees may apply.