Zelle, ACH and wire transfers can look similar on a banking screen, but their timing, limits, reversibility and fees work differently. Start with the transfer type, then check the bank-specific rule.
A person can “send money” through Zelle, ACH or a wire, yet the bank may apply a different limit, cutoff, fee and review process to each one. That is why our payment pages begin with the rail and the institution instead of one universal number.
Useful starting points for real transfer questions.
Umpqua’s current fee schedule lists $15 for incoming domestic or international wires, $30 for outgoing domestic wires and $50 for outgoing international wires. A trace or amendment costs $35.
Old National currently lists $30 for outgoing domestic wires, $50 for outgoing international wires and $16 for incoming domestic or international wires. International USD wires can also face beneficiary-deduction fees.
Zions offers personal wire transfers through digital banking, but the total cost can depend on the account, transfer type and any correspondent-bank charges. Check the current fee schedule before authorizing the wire.
First Horizon currently lists $15 for incoming domestic or international wires, $30 for outgoing domestic wires and $55 for outgoing international wires, with some relationship-based refunds.
Santander’s personal fee schedule lists a $13 incoming wire-transfer fee for standard accounts, while certain Santander Select relationships and qualifying younger Simply Right customers can receive a waiver.
M&T advertises no M&T fee for incoming domestic and foreign wire transfers on eligible premium checking relationships, while other wire charges depend on the account and service used.
KeyBank says wire-transfer fees vary by account type and wire type and can range from $0 to $45. Domestic, international, incoming and outgoing wires should therefore be checked separately.
First Citizens wire fees can vary by account, transfer direction and destination. International wires may also include foreign-exchange and intermediary-bank costs beyond the listed bank fee.
Discover wire costs depend on the account, direction and destination. A domestic wire and an international transfer can have very different pricing and processing requirements.
BMO wire fees can vary by account and transfer type. International wires can also create foreign-exchange or correspondent-bank costs that are separate from the bank’s service charge.
Citizens wire pricing can differ by account, direction and destination. The final cost of an international wire may also include currency conversion and intermediary-bank charges.
Huntington wire costs depend on the type of transfer and account. For international wires, exchange-rate and intermediary-bank costs can make the total different from the posted service fee.
Fifth Third wire costs can differ by account, transfer direction and destination. International wires may also include exchange-rate costs or correspondent-bank deductions.
Regions wire pricing depends on the account and whether the transfer is incoming, outgoing, domestic or international. The bank’s current fee schedule is the safest source before you authorize a transfer.
Truist wire fees can vary by transfer direction and destination. International wires can also include foreign-exchange costs, which may be more important than the listed service fee.
TD Bank wire costs can differ for incoming, outgoing, domestic and international transfers. Exchange-rate costs can also matter on an international wire, so the headline fee is only part of the total.
Wells Fargo Zelle limits can depend on your account profile, recipient and payment history. The live amount shown in the transfer flow is the practical number to trust.
Citizens can apply Zelle limits that depend on the account, recipient and transaction pattern. The current amount in the send flow is the safest figure to use for an actual payment.
Citi can set Zelle sending limits by account relationship and payment context. Check the live amount in Citi Online or the Citi Mobile app before relying on an older published figure.
Capital One can apply Zelle sending limits based on your account, recipient and recent payment activity. The most useful number is the live amount shown when you prepare the transfer.
Zions can set Zelle limits by account profile, recipient and recent activity. The amount shown while you create the payment is the one that matters for the actual transfer.
Woodforest can apply Zelle sending limits by profile, recipient and service history. The most practical number is the live amount shown during the payment setup.
Truist customers should expect Zelle limits to depend on account profile, recipient and recent activity. The amount shown during the send setup is the most practical number to use.
SoFi users should rely on the current Zelle send screen rather than a generic number copied online. The limit can vary by account profile, recipient and recent history.
Santander customers should rely on the live Zelle amount inside the bank’s app or website. Limits can vary by account standing, recipient and recent payment activity.
M&T can set Zelle limits by account and recipient. The amount presented during the payment setup is the most reliable figure because it reflects your current profile.
KeyBank customers should rely on the live Zelle amount shown in online or mobile banking. Limits can vary by account relationship, recipient and transaction pattern.
First Horizon can set Zelle limits by customer profile, recipient and account history. The amount shown when you prepare the payment is more useful than an old number quoted on the web.
Arvest can set Zelle controls by customer profile, recipient and recent activity. The limit that counts is the live amount presented when you start a payment.
First Citizens sets Zelle sending limits based on factors such as your account relationship, recipient and transaction history. The live limit is shown while you set up a payment.
BMO says Zelle sending limits depend on your account type. You can see daily and 30-day limits in Digital Banking; BMO does not limit receiving and the minimum send/request amount is $5.
SouthState does not publish one universal Zelle number for every customer. The bank says individual transaction limits are available after you log in and can be changed over time.
Umpqua’s Zelle addendum lists a $1,000 daily payment limit and $3,000 monthly limit, with higher limits potentially available after account-history review.
Comerica supports Zelle for eligible checking and savings accounts, but the useful sending limit is the live amount tied to your profile and transaction history rather than a number copied from an old article.
Bank of America currently lists a $30 domestic outgoing wire fee, a $45 fee for international wires sent in U.S. dollars, and no separate wire fee for international wires sent in foreign currency, although exchange-rate markups apply.
PNC does not rely on one public Zelle number for every customer. The PNC Mobile app shows the daily and calendar-month sending limits that apply to your profile and recipient.
Regions says Zelle sending limits vary by funding account, recipient and transaction history. The bank applies both daily and rolling 30-day limits and shows the current amount inside online or mobile banking.
Fifth Third says Zelle sending limits are dynamic and can vary based on your established payment history with a specific recipient. The app shows the available limit when you select that recipient.
Ally supports Zelle from eligible Spending, Savings and Money Market accounts. Ally does not advertise one simple public send limit that should be assumed for every customer, so the live Zelle experience is the place to confirm what your account can send.
Ally currently charges $20 for an outgoing domestic wire from an Ally Bank account. Incoming wires are not charged by Ally, and verified outgoing requests received before 3 p.m. ET on a business day can process the same day.
PNC offers self-service and assisted wire options, but the bank says fees vary by account type. The right number comes from your current fee schedule and the method you use.
U.S. Bank publishes separate consumer fees for incoming, outgoing, domestic and international wires. The method and timing also matter because online domestic wires have a business-day cutoff.
U.S. Bank displays your current Zelle sending limit during the transaction and says it may change those limits based on periodic risk assessments.
Chase does not use one permanent Zelle sending number for every payment. It dynamically determines a transaction tier and shows the applicable daily limit before you send.
The practical sending limit often comes from your bank or credit union, not one network-wide number.
Recipient status, enrollment history and bank rules can all affect the amount you can send.
The visible sending fee is only one part of a wire, especially when another bank or currency conversion is involved.
Chase wire fees depend on whether the wire is incoming or outgoing, domestic or international, and whether you send it online or with a banker. Account-level waivers can change the final cost.
Wells Fargo currently lists digital wire fees from $0 to $30 depending on account type, while branch wires are $40. Incoming consumer wires are generally free, and cutoff times matter for same-day processing.
TD Bank’s June 2026 Zelle terms list general consumer sending limits of up to $2,500 per day and $10,000 per month, with higher limits for eligible TD Private Client customers.
Capital One currently lists a $30 fee for eligible outgoing domestic wires from common personal checking products. International and incoming-wire rules depend on account type and channel.