Zelle limits vary by bank and by how you access the service. The bank disclosures below show the verified daily and monthly limits for the major banks listed in your reference table. Limits can change by account age or transfer speed, so always confirm with your bank before sending a larger transfer.
Zelle Limits at Major Banks
Limits as of July 2026. May vary by account type and relationship. Sources: bank disclosures.
Big Four Banks
| Bank | Daily Limit | Monthly Limit | Notes |
|---|---|---|---|
| Chase | $500-$10,000 for each transaction | Not disclosed | Dynamically determined by Chase |
| Bank of America | $500-$3,500, depending on account age | $20,000 | Range depends on account age |
| Wells Fargo | $3,500 | $20,000 | — |
| Citibank: Standard account | $500-$2,500, depending on account age | $15,000 for enrollments established more than 30 days ago | Daily range by account age |
Chase does not publish a fixed daily or monthly Zelle limit. Instead, Chase sets the allowed amount per transaction within the range shown above.
Bank of America and Citibank both scale their daily limits by account age.
Other Major Banks
| Bank | Daily Limit | Monthly Limit | Notes |
|---|---|---|---|
| Capital One | $3,000 | Not disclosed | — |
| TD Bank | $1,000-$2,500, depending on transfer speed | Instant transfers: $5,000; Scheduled transfers (up to 3 business days): $10,000 | Daily varies by transfer speed |
| Truist Bank | $2,000 | $10,000 | — |
| USAA Federal Savings Bank | $1,000 | $10,000 | — |
| US Bank | $1,000 | $4,000 | Weekly: $2,500 |
| PNC | $2,000 | — | 30-day rolling |
| Regions | $2,000 | — | — |
| Fifth Third | $2,000 | — | — |
| Citizens | $2,500 | — | — |
| Huntington | $1,000 | $5,000 | — |
| M&T Bank | $1,000 | $3,000 | — |
| Quontic Bank | $500 per transaction, $1,000 per day | Not disclosed | — |
TD Bank splits its monthly Zelle limit by transfer speed. Instant transfers are capped at $5,000/month, while scheduled transfers can go up to $10,000/month.
Capital One does not publicly disclose a monthly Zelle limit.
What If Your Bank Is Not Listed?
If your bank is not in the table, the safest answer is that Zelle limits still depend on your bank, account type, and transfer history. Some banks publish exact limits, while others only show them inside the mobile app or through customer service.
If you are searching for a specific bank, look for phrases like “Zelle limit,” “transfer limit,” or “send money limit” inside your bank’s app. If that still does not show an exact number, contact customer service and ask for the daily and monthly Zelle limit on your account.
This section helps capture searches like “Zelle limits by bank,” “Zelle daily limit,” “Zelle transfer limit,” “how much can you Zelle at one time,” and “is there a limit on Zelle.”
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