payments & transfers – mobile banking Using Zelle® to send money

Zelle® is a fast and easy way to send and receive money with friends and family, and there are no fees with our Mobile Banking app and Online Banking.1

Screens simulated for illustrative purposes only. Actual experience may differ.

Step 1

Log in to our Mobile Banking app.

Need the Mobile Banking app? Start here >

Bank of America Mobile Banking app, User ID field highlighted.

Step 2

Tap Pay & Transfer to get started.

Bank of America Mobile Banking app, Accounts page, Pay and Transfer highlighted

Step 3

Tap Zelle®.

Bank of America Mobile Banking app, Pay and Transfer page, Zelle send or receive tile highlighted

Step 4

Tap Pay to send money. You can also request money to get paid back easily or divide expenses.

Note: If you're not already enrolled in Zelle®, you'll see a screen for setup. Tap Set up Zelle® and follow the prompts to get set up.

Bank of America Mobile Banking app, Send money with Zelle, Pay highlighted

Step 5

If you are sending to a new contact, tap Add new person or company.

Note: For an existing contact, use the search bar to select a trusted recipient from your list. Look for the purple ‘Z’ to know who is already registered to use Zelle®. You can also use a unique QR code to pay people back. Tap the QR code icon next to the search bar to open your mobile device camera, scan their code, confirm and send. Proceed to step 11.

Bank of America Mobile Banking app, Who would you like to pay? screen, Add a new person or company highlighted

Step 6

Select who you’re adding. Tap Next.

Bank of America Mobile Banking app, Add a Recipient page, Who are you adding? screen, Person selected and highlighted, Next button below

Step 7

Select how you’ll add their information. Tap Next.

Bank of America Mobile Banking app, Add a Recipient page, How are you adding them? screen, Mobile number or email selected and highlighted, Next button below

Step 8

Enter the details for your new contact. You can also tap Add from Contacts to select from the existing contacts in your phone.

Bank of America Mobile Banking app, Add a Recipient page, Add from contacts screen, recipient info filled in, Next button highlighted

Step 9

Review the details for your contact to ensure accuracy. Tap Edit to modify or Add Recipient.

Bank of America Mobile Banking app, Add a Recipient page, Review step, Add recipient button highlighted

Step 10

Read the information regarding Zelle payments and tap OK to authorize the new contact.

Bank of America Mobile Banking app, Add a Recipient page, Confirm contact info disclaimer, OK button highlighted

Step 11

Your recipient is added. To pay this or another contact, type the name in the search bar. Then tap on the contact you want to pay.

Bank of America Mobile Banking app, Pay page, Your recipient is added confirmation message, newly added recipient highlighted

Step 12

Choose the account you want to send money from and enter the amount. Tap Next.

Bank of America Mobile Banking app, Pay page, amount of payment entered, Next button highlighted

Step 13

If you want to make the payment recurring, tap the toggle. For this demo, we’ll schedule a one-time payment. Tap Next.

Note: Scheduled and recurring payments can’t be made for unregistered Zelle® recipients (look for the purple ‘Z’ to know who is already registered to use Zelle®).

Bank of America Mobile Banking app, Pay page, payment details entered with the option to make it a recurring payment, Next button highlighted

Step 14

Choose a payment date to schedule your one-time payment. Select today’s date if you want to make an immediate payment. Tap Next.

Note: If you selected recurring payments, you’ll see screens to select How often, How long, and Choose a start date.

Helpful tip! Transaction dates are based on Eastern time. Calendar dates may not match your current time zone.

Bank of America Mobile Banking app, Payment date page, calendar to schedule payment highlighted, the 25 on the calendar is highlighted, Next button below

Step 15

You can add an optional message for the recipient. Tap Next.

Bank of America Mobile Banking app, Pay page, Add a message field highlighted with the example message of Happy Birthday highlighted, Next button below

Step 16

Review the details for the payment to ensure accuracy. Tap Edit if needed. Tap Next to proceed.

Note: If you’re making an immediate payment, you’ll tap Pay.

Bank of America Mobile Banking app, Review payment details page, Next button highlighted

Step 17

For payments to new contacts, you’ll see an authorization screen. Read the information and click OK to authorize the payment.

Note: You may need to request an authorization code to verify your identity before you can send your payment.

Bank of America Mobile Banking app, Review payment details page, You're authorizing a payment to someone new notification, OK button highlighted

Step 18

Be sure to scroll down the screen to read important information about your scheduled payment. Tap the circle to agree to and acknowledge the terms. Tap Schedule.

Note: If you’re sending a one-time immediate payment, you’re not able to edit or cancel the payment. Instead, you’ll see a confirmation screen that your payment has been sent.

Bank of America Mobile Banking app, payment Review page, disclaimers about the scheduled payment, Schedule button highlighted

Step 19

Your payment is scheduled. Tap Done to see the details on the Activity screen.

For scheduled and recurring payments, you can view, edit and cancel on the Activity screen.

Note: If the recipient is already enrolled, they’ll be notified once the payment is sent and typically receive their money within minutes. If they aren't yet enrolled with Zelle®, they’ll receive a text or email on how to get started.

Bank of America Mobile Banking app, payment success screen with the message, "Your payment is scheduled," Done button below

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