
Bank of America warning: millions of customers affected by a Zelle change
Bank of America causes some confusion among its clients after this major change in transfers with Zelle
Bank of America has left millions of users in the United States upset with a major change in bank transfers. The bank has changed their sending and receiving limits, and that change has caused anger and concern among their clients.
Bank of America confirms it about transfers: the Zelle change
Bank of America already applies new daily and monthly limits for payments with Zelle. Now, personal clients can only send up to 3,500 USD per day and 20,000 USD per month. These limits also apply to those who use small or new accounts.
In addition, payments to new recipients will face temporary restrictions in the first few days and the underlying reason is security. The bank seeks to prevent fraud that has affected users on social media, where scammers have managed to trick people into making urgent payments through Zelle.

Although this measure bothers many, Bank of America asks for understanding. The bank argues that it is "necessary to protect clients and prevent illegal transactions." They justify the limits as a defense against the increase in scams.
Clients angry with the change: what are the disadvantages
The change brings several notable disadvantages. Users who trusted Zelle for high amounts are now forced to split transfers or look for other payment methods. Transfers to new contacts may be delayed or even blocked.
The process is slower and more complex, which causes discontent and concern, especially among those who send money frequently to family members or suppliers.
The fastest way to make a transfer at Bank of America
Even with these limits, Zelle is still a fast and convenient option if used correctly. Through the app or website, it is essential to use Bank of America's official channels, since it is no longer possible to use the standalone Zelle app.

Transfers to already verified contacts are usually immediate, as long as they do not exceed the daily limits. If you need to send to someone new, wait at least five days to do so without additional restrictions.
Bank of America's recommendations to all their clients
Bank of America issues a series of recommendations to mitigate the effects of the change. Plan large payments; if you need to send more than 3,500 USD per day, split the amount over several days.
Build trust with the bank; over time, and with a clean record, the limits could be automatically increased. Activate all available security options. Check alerts, enable multifactor authentication, and do not send money to strangers.
In addition, for very large payments, the bank suggests options such as ACH transfers or real-time transfers through the RTP network, which now allows up to 10,000,000 USD for businesses.
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