How to link bank account to zelle

Q: Do you have to link Zelle to a bank account?

But, even if you dont have Zelle® available through your bank or credit union, you can still use it! Simply download the Zelle® app in the App Store or Google Play and enroll an eligible Visa® or Mastercard® debit card. After you enroll, you can send and receive money with confidence to almost anyone you trust.

How it works:

Fast

Send and receive money in minutes1 while keeping your account information private.

Table of Contents Show

How it works:
Nearly Everywhere
Get started
Why can't I link my bank account to Zelle?
Can you link any bank account to Zelle?
Do you have to link Zelle to a bank account?
How do I assign Zelle to my bank account?

Easy

All you need is a U.S. bank account and a U.S. mobile number or email.

Free

Zelle® is free in our mobile app and Online Banking.

Nearly Everywhere

Zelle® is in most people's banking apps, and money is sent directly between accounts.1

Phone with the screen on the Transfer page of the Bank of America® Mobile
Banking app.

Get started

Open the Bank of America® Mobile Banking app. Sign in and tap "Transfer | Zelle®," and then follow the on-screen instructions.

You can also add the Bank of America widget to your home screen to link straight to your contacts, giving you fast, direct access to send and request money.

No matter where they bank, you'll know if your friends and family are already using Zelle® - just look for the purple z next to their contact.

Why can't I link my bank account to Zelle?

First, make sure that you are only enrolling a Visa® or Mastercard® debit card tied to a bank account in the U.S. You will not be able to enroll business debit cards, credit cards, cards linked to international accounts, gift cards or pre-paid cards from financial institutions outside of the Zelle Network®.

Can you link any bank account to Zelle?

Yes, your bank will determine which of your accounts are eligible. We do not accept credit cards, international debit cards or international deposit accounts. Checking accounts must be based in the U.S. Are there benefits to using my online banking username and password to enroll in the Zelle® app?

Do you have to link Zelle to a bank account?

But, even if you don't have Zelle® available through your bank or credit union, you can still use it! Simply download the Zelle® app in the App Store or Google Play and enroll an eligible Visa® or Mastercard® debit card. After you enroll, you can send and receive money with confidence to almost anyone you trust.