How to Set Up a Recurring Payment With Zelle: Bank-by-Bank Guide

Can you set up recurring payments with Zelle? Yes, but only through a bank that supports it. Zelle itself doesn’t schedule payments, and there’s no standalone Zelle app anymore: it stopped sending and receiving money on April 1, 2025, and Zelle now says you use it through your bank or credit union’s app. Recurring (repeating) payments are a feature each bank builds into its own Zelle experience. As of September 2026, Chase, Bank of America, Wells Fargo, U.S. Bank, Truist, TD Bank, Ally, BankUnited, and Gate City Bank document recurring Zelle payments; Citi says recurring transfers aren’t permitted. In most cases, the person you’re paying must already be enrolled with Zelle.

Below is a bank-by-bank summary, the exact steps where each bank publishes them, how to cancel, and when a different payment method is the better choice.

Recurring Zelle Payments by Bank

Menus change, so if a step below doesn’t match your app, look for “schedule,” “repeat,” or “frequency” when you send money with Zelle.

How to Set Up a Recurring Zelle Payment at Each Bank

The general process is the same almost everywhere. Open your bank’s app, go to the Zelle section, choose a recipient who’s already enrolled, enter the amount, and look for an option to schedule the payment and make it repeat. You’ll typically choose how often it sends (weekly, every two weeks, or monthly), a start date, and either an end date or a number of payments. Review the details carefully before saving, because you’ll be approving every payment in the series at once. After you save it, the series should appear in a scheduled or pending payments list, which is also where you’ll edit or cancel it later.

Before setting up the first payment, send a small one-time amount to confirm you have the right recipient. Here are the details for each bank that publishes them.

Chase

Chase calls these repeating payments. In the app, go to Pay & Transfer → Send money with Zelle®, choose your recipient, enter the amount and account, set the recurring details, then Review & send. Scheduled payments go out on business days. You can cancel a repeating transfer online or by phone.

Bank of America

Go to Pay & Transfer → Zelle® → Pay, choose the recipient, enter the amount, tap Next, then Schedule. Turn on Make payment recurring and choose how often, how long, and the start date. According to Bank of America’s Zelle FAQs, scheduled payments can’t go to recipients who aren’t registered with Zelle, and scheduling may be unavailable during your first 60 days after enrolling. To cancel, open Payment Activity → Scheduled before 11:59 p.m. ET the day before. You can cancel one payment or the whole series, but you can’t edit a single payment within a series.

Wells Fargo

Tap Zelle® in the bottom navigation, set up the payment, and turn on Repeat payment. Payments can be scheduled up to a year ahead and only to enrolled recipients. Wells Fargo’s Zelle FAQs say you can cancel the series or skip a single payment from the Scheduled view until 11:30 p.m. PT the day before. Consumer limits are $3,500 per rolling 24 hours and $20,000 per rolling 30 days.

U.S. Bank

Go to Transfer & pay → Send & request money with Zelle® → Send money, pick your recipient, choose a date, and select Repeat this payment, then review and send. To change it later, U.S. Bank’s help center says to open Activity → Scheduled and choose to edit or cancel the next payment or the whole series.

Truist

Start from Transfer & Pay → Send Money with Zelle® and set a recurring schedule. Upcoming payments appear in the Pending section of your Zelle activity, where you can delete the next payment or the entire series, and Truist sends a reminder seven days before a payment goes out.

Ally Bank

Go to Payments → Send Money with Zelle®, enter the amount, then tap Change → Frequency on the amount screen to make it recurring. According to Ally’s Zelle help page, recurring payments use standard delivery, which takes one to three business days, and you can cancel until processing begins. Open an Ally account.

TD Bank, BankUnited, and Gate City Bank

• TD Bank: TD’s send-money terms allow recurring Zelle payments, which you can cancel until processing begins. Consumer limits are up to $2,500 a day and $10,000 a month.
• BankUnited: offers scheduled and recurring payments, which are legally a separate service sent through Zelle on the payment date. You can cancel if the money hasn’t been deducted yet.
• Gate City Bank: online, go to Move Money → Zelle®; in the app, go to More → Bill Pay/Zelle → Zelle → Send money with Zelle®. Gate City describes scheduled and recurring payments as a separate service that takes one to three business days. Cancel or edit from Pending before the money is deducted.

Citi, Capital One, and PNC

• Citi: its Zelle terms say recurring transfers are not permitted, though consumers can schedule one-time future payments. Set a monthly calendar reminder instead.
• Capital One: a marketing page mentions recurring payments, but its Zelle terms dated April 2026 say you can’t make recurring transfers. You can schedule a one-time payment up to a year ahead. Check your app before relying on a repeating payment.
• PNC: its 2026 Zelle terms of use allow a recurring series, set up in the Zelle experience of the PNC Mobile app. PNC doesn’t publish step-by-step menus, so confirm in the app.

Rules to Know Before You Automate Zelle

• Pay only people you know and trust. Zelle doesn’t offer purchase protection and advises against using it to pay sellers you don’t know.
• Sent money usually can’t be pulled back. According to Zelle, you can cancel a payment only if the recipient hasn’t enrolled yet. For scheduled payments, your bank’s cancellation cutoff is your safety net, so double-check the recipient and amount before you save a series.
• The recipient needs to be enrolled. Money typically arrives within minutes for enrolled recipients. If someone isn’t enrolled, Zelle notifies them, and the payment expires and is returned if they don’t enroll within 14 days, which is why most banks only allow recurring payments to enrolled recipients.
• Limits are set by your bank. Recurring rent or tuition payments can bump into daily or monthly caps, so check yours in the app before you schedule a large series.

When to Use Autopay or Bill Pay Instead

Recurring Zelle payments are best for paying people: splitting rent with a roommate, sending a child’s allowance, or paying a family member back on a schedule. For businesses, other tools are usually safer and better documented:

• Credit cards, loans, and utilities: set up autopay with the company itself. It ties the payment to your account number and gives you a clear record. Here’s a guide to automatic debit payments.
• Landlords and property managers: use their payment portal or your bank’s bill pay unless the lease specifically says Zelle is accepted.
• Your own savings: schedule a recurring transfer between your own accounts instead. It’s one of the money tasks most worth automating.

For the bigger picture of putting bills, saving, and investing on autopilot, see how to automate your finances. And if you’re splitting costs with a partner, it helps to agree on the rules first; here’s how to set financial boundaries that make shared bills easier.

Recurring Zelle Payments FAQ