Send money fast and secure with Zelle®

Easily send and receive
money in minutes from
friends and family* - no
matter where they bank.1

Check out the video to learn how to get started.

Art card: How to send money to friends and family using our app with Zelle® — no matter where they bank.

VO: The Bank of America mobile banking app, together with Zelle, lets you securely send or request money to friends and family, no matter where they bank. To get started, open your app, sign-in and select Transfer|Send.

Lower-third disclosure: “"Must have a bank account in the U.S. to use Zelle®." Lower-third disclosure: “We do not provide purchase or buyer protection for goods or services you purchase using Zelle.

VO: If this is your first time sending money, select “Begin Setup.”

VO: Next, add your contact information and select the account where you want to receive your money and accept the agreement. When prompted, enter the code to confirm we have your contact information correct.

Now you are set to send & receive money using Zelle in the Bank of America app.

VO: Now, say you want to send $20 to Tim Jones for yesterday’s lunch. In Transfer | Send, tap Send, select Tim from your Recipients list or add from Contacts. Enter the amount, select the account, add an optional note, and tap Send Money. The money, along with a message, is on its way to Tim.

VO: Tim will then get a text or email saying you sent him money. If he’s already enrolled with Zelle, the funds will go right to his bank account, otherwise he’ll be guided through an easy enrollment.

VO: You can also Request Money, like $15 from Robin for the cab you shared last night. From Transfer|Send select Request, find Robin in your Contacts, enter the amount, and she will instantly be sent a message that you requested the money. If she’s not already using Zelle, she will receive a message with instructions on how to get started.

VO: You can even split a request among your friends, like for the group dinner you paid for last night. Select friends in your Contacts, enter the total amount of the dinner ($120) and the math will be done for you. Add an optional note, adjust individual amounts as needed, and the requests will be sent instantly.

VO: So next time you need to pay someone back, just open your Bank of America app. You can confidently send or request money to or from friends and family, no matter where they bank.

Lower-third disclosure: “Must have a bank account in the U.S. to use Zelle®." Lower-third disclosure: “We do not provide purchase or buyer protection for goods or services you purchase using Zelle.""

VO: Now, it’s easy to move money – fast.

Art card: Bank of America | Zelle®


Bank of America, N.A. Member FDIC. ©2018 Bank of America Corporation.

Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

Transfers require enrollment in the service and must be made from an eligible Bank of America consumer deposit account to a domestic bank account or debit card. Recipients have 14 days to register to receive money or the transfer will be canceled. It may take 1 to 3 business days to complete the first transfer to a newly registered recipient. After that, future transfers between registered users will typically be completed within minutes. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Online Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply.

Zelle is intended for sending money to family, friends, and people with whom you are familiar. We recommend that you not use Zelle to send money to persons that you do not know.

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

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

Get set up now so you're ready to send and receive money:

  1. 1 Sign in to the app2 and tap Transfer | Send
    in the menu bar.
  2. 2 If you haven’t already, select Begin Setup
    and follow the prompts to get started.
  3. 3 Check your email or text messages for
    confirmation and you're ready to go.

Did someone send you money?
This is how you receive it.


Pay your roommate rent, or pay back a co-worker for lunch.

  1. 1Tap Transfer | Send then Send

  2. 2Select your recipient and enter the amount

  3. 3Include an optional note and tap Send Money


Looking for a nice way to ask for money from a friend for last night's dinner? Or need money from Mom?

  1. 1In the app, select "Request", then select the contact you're requesting money from.

    You can only request money from contacts using their email address unless they have enrolled their mobile number with Zelle.

  2. 2Enter the amount you're requesting and the account the funds should be sent to.

  3. 3Include an optional note, confirm and send the request.

    The recipient will receive an email request to send you money.


Need an easy way to divide the dinner check? Or be paid back for a group gift you bought?

  1. 1In the app, tap "Split," then select each contact in the group who owes you money.

  2. 2Enter the total amount you're requesting.

    Choose the account for it to be deposited to and the app will calculate each person's share. You can change each amount if the total shouldn't be split evenly.

  3. 3Include an optional note, confirm and send the request.

    The recipient will receive an email request to send you money.

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