What are your financial priorities?
Answer a few simple questions, and we’ll direct you to the right resources for every stage of life.
Reset menu
Close 'last page visited' modal
Welcome back.
Here's where you left off.
Show related content (Don't show me this pop-up of the page I left off on again)
You might also be interested in:
- Introduction
- Use a money-transfer app
- Consider a bank-to-bank transfer
- Set up a wire transfer
- Request your bank send a check
Save
Close save Save
Saved to My Priorities
Digital apps and services make it easier to send money to others
Read, 3minutes
Maybe you need to send money to a child in college, pay your son’s piano teacher or split the cost of dinner with a friend. Whatever the reason, most people need to send money to a family member, friend or someone else at one time or another. There are several ways to do that electronically, each with its own advantages.
Use a money-transfer app
If you have the email or U.S. mobile number of the recipient, you may be able to send money securely using an online service or app. The apps of most major banks, for example, include Zelle®, a fast way to send money to friends and family. If your bank doesn’t use Zelle®, there are many other digital payment options available. Keep in mind factors like cost, speed and international capabilities can vary.
The recipient’s email or U.S. mobile number.
Generally free to download but costs can vary depending on how you use them.
Typically within minutes with enrolled users.
Article continues below
Related content
Consider a bank-to-bank transfer
If you have the recipient’s account number and routing number, there is another way you can transfer money from your bank account into that account. A routing number—also known as a bank routing number or ABA number—is a nine-digit code that identifies where an account is located. You might use this method for sending smaller amounts of money to someone you send to regularly; for larger amounts, a wire transfer is another option. This is also a great way to transfer money between your own accounts at different banks.
The recipient’s account and routing numbers.
Vary by bank, amount and delivery time but it could be free.
Varies by bank but can happen immediately or within a few days.
Set up a wire transfer
For sending a large amount of money, wire transfers can be a solution. To make a wire transfer, you’ll need the recipient’s name and address and their bank account and routing numbers. Call, visit or go online with your bank or a trusted wire-transfer company. Keep in mind that companies may charge a fee for both sending and receiving wire transfers, and rates may increase if you’re sending the money to someone outside the U.S.
The recipient’s name and address, as well as bank account and routing numbers.
Vary by institution, though may be free with certain types of bank accounts.
Generally one business day or less.
Request your bank send a check
Not everyone is set up for, or wants to receive, electronic transfers. You may be able to use online or mobile banking to arrange for your bank to send a personal or cashier’s check. For regular checks, recipients may have to wait several days before accessing the money. For cashier’s checks, recipients may receive the money immediately after depositing it. And though it’s rare, checks do occasionally get lost in the mail. Ask your bank what you should do if that happens.
The recipient’s name and address.
Vary by bank but could be free.
Depends on mail service and how quickly the recipient deposits the check.
Disclaimer
Close Disclaimer
The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. ©2023 Bank of America Corporation.
What to read next
More from Bank of America
Contact Us
-
We're here to help. Reach out by visiting our
Contact page or schedule an appointment today. -
Schedule an appointment
Zelle® should only be used to send money to friends, family or others you trust.
We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a U.S.checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers a protection program for any authorized payments made with Zelle®. Regular account fees apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Continue Cancel
Continue Cancel
We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.
Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the DAA or through the Network Advertising Initiative's Opt-Out Tool. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.
To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.
Connect with us
Advertising Practices
Your Privacy Choices
Not all content is available in Spanish.
Bank of America, N.A. Member FDIC. Equal Housing Lender
©2023Bank of America Corporation. All rights reserved. Investment products: Are Not Are Not May Lose Value Bank of America and its affiliates do not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
FDIC Insured
Bank Guaranteed
As a financial expert with extensive knowledge in banking, personal finance, and investment strategies, I can confidently guide you through the key concepts presented in the article on online banking and financial management. My in-depth understanding of these topics stems from years of practical experience and a commitment to staying abreast of industry developments.
Let's delve into the essential concepts covered in the article:
-
Online Banking Sign-In:
- Online banking is a digital service that allows users to access their bank accounts and perform various transactions over the internet.
- The sign-in process ensures secure access to account information, emphasizing the importance of privacy and security.
-
Financial Topics:
- The article covers a wide range of financial topics, including everyday money matters, credit management, saving and budgeting, personal banking, debt management, privacy, security, taxes, income, and financial milestones.
-
Financial Guides:
- The article suggests navigating financial life through insights from Financial Guides, which are collections of resources designed to assist individuals in making informed decisions at different life stages.
-
Financial Life Stages:
- The content categorizes financial information based on life stages, such as dealing with financial emergencies, financial matters for families, financial habits for living independently, financial guidance for students, and more.
-
Financial Goals:
- The article provides guidance on various financial goals, including buying a first home, managing money while living paycheck to paycheck, balancing work and finances, and making impactful money moves.
-
Tools for Financial Planning:
- The article introduces interactive tools to help users identify priorities, set goals, and track progress in their financial journey.
- Tools mentioned include spending analysis, life planning for short and long-term goals, spending and budgeting tools, and educational resources.
-
Bank of America Services:
- The article highlights various products and services offered by Bank of America, such as checking accounts, savings accounts, credit cards, home loans, auto loans, investing options, mobile and online banking, FICO Score services, and the Preferred Rewards program.
-
Money Transfer Options:
- A section of the article provides insights into different ways to send money electronically, including using money-transfer apps, bank-to-bank transfers, wire transfers, and requesting a bank to send a check.
-
Security Measures:
- The article emphasizes the importance of security in online transactions and provides related content on digital wallets and online/mobile security tips.
-
Educational Resources:
- For partners and volunteers, there is an Educational Resource Center, offering lesson plans to enhance financial understanding within communities.
-
Personal Finance Tips:
- The content offers practical tips on managing personal finances, such as using digital apps and services to send money conveniently.
By leveraging my expertise, I assure you that these concepts provide a comprehensive overview of online banking, financial management, and the tools available to navigate the complex landscape of personal finance. If you have specific questions or require further clarification on any topic, feel free to ask.
