Transactions typically occur within minutes when the recipient’s email address or U.S. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transfers require enrollment in the service and must be made from an eligible Bank of America consumer or business deposit account to a domestic bank account or consumer debit card. We recommend that you do not use Zelle to send money to those that you do not know. Zelle should only be used to send money to friends, family or others you trust.