Send Money with Zelle on Bank of America (2026 Guide) | How to Use Zelle

To use Zelle, first log in to your Bank of America mobile app and select the Pay & Transfer tab from the bottom navigation menu. This 2026 Bank of America Zelle tutorial provides the fastest way to send and receive money instantly using only a recipient's U.S. mobile number or email address, with updated security features including one-time authorization codes and debit card PIN verification for new recipients. Steps to Enroll and Send Money Open and Sign In: Launch the Bank of America app and navigate to Pay & Transfer Zelle®. Initial Enrollment: If it’s your first time, tap Set up Zelle®, choose your primary checking account, and register your U.S. mobile number or email. Verify Identity: Enter the one-time authorization code sent via SMS or email to link your profile. For 2026, BofA may require your Debit Card PIN during this step for added security. Add a Recipient: Tap Pay, then select a contact or tap Add new person. Look for the purple "Z" logo next to contacts to see who is already enrolled. Enter Amount: Input the dollar amount and select your funding account. You can toggle the Recurring switch to automate payments for rent or bills. Review and Send: Review the recipient's details and tap Pay. For new contacts, you'll see an authorization screen—read it carefully and tap OK to confirm. Important 2026 Updates & Limits Transaction Limits: For personal accounts, Bank of America typically allows you to send up to $3,500 per day and $20,000 per month. Small business accounts often have higher limits of up to $15,000 per day. QR Code Feature: You can scan a recipient's Zelle QR Code by tapping the QR icon next to the search bar. This ensures you never send money to the wrong person due to a typo. Request & Split: You can request money from up to 10 people at once by selecting Request within the Zelle menu, making it easy to divide group expenses like dinner or travel. Safety Alert: Zelle transfers are instant and irreversible. Bank of America 2026 protocols include AI-driven "Trust Alerts" that pop up if you are sending to a first-time recipient—always verify the person before tapping "Pay." Mastering these digital payment tools is essential for managing your cash flow without the need for physical checks. If this walkthrough helped you send money today, please hit the like button and subscribe for more updated Bank of America tutorials and financial tech tips. #BankOfAmerica #Zelle #MoneyTransfer #BofAApp #DigitalBanking #PersonalFinance #TechGuide #MobilePayments #FinanceTips #OnlineBanking #HowToZelle #SendMoney #Banking2026 #iPhoneBanking #FinancialTech