BofA Clients Boost High Value RTP Payments

Bank of America reported a 48% increase in corporate transactions on the RTP® network from January through July, compared with the same period in 2025. Transactions above $1 million rose 351% during that period. The bank said clients are using the network for liquidity management, intercompany transfers and time-sensitive business payments. Its always-on availability gives treasury teams more options to reposition funds after hours, on weekends and at month- or quarter-end close.

Liquidity Management Takes Hold

Bank of America identified the strongest growth at the higher end of the transaction range, where companies are using RTP to move funds when and where they are needed. The service can support cash repositioning outside traditional business hours, account funding before the business day begins and rapid responses to changing obligations.

Christian Stolcke, head of Global Financial Institutions and Governments in Global Payments Solutions at Bank of America, said:

“Clients are looking for greater flexibility in how and when they move money. The higher RTP transaction limit is opening up strategic use cases, including intercompany transfers and cash concentration, as companies move funds among subsidiaries during month- and quarter-end close.”

Use cases include internal sweeps to concentrate cash, fund subsidiaries and adjust positions in real time. Bank of America also cited supplier and affiliate payments, centralized disbursements and transfers between accounts at different financial institutions.

Higher Limits Expand Activity

The RTP network increased its individual transaction limit from $1 million to $10 million in February 2025. The higher threshold expanded the network’s potential role in business-to-business payments, merchant settlement, supplier payments and intercompany liquidity management.

For corporate treasury teams, the ability to make higher-value payments in real time can support greater liquidity visibility and enable funds to be positioned for business use without waiting for traditional processing windows.

Broader Real Time Payment Plans

Bank of America’s latest figures arrive as it continues to invest in real-time payment capabilities for corporate, commercial and financial institution clients. The bank’s June announcement detailed plans for a cross-border real-time payments solution.

AJ McCray, head of Global Payments Product in GPS at Bank of America, said:

“Corporate clients are increasingly looking to real-time payments for use cases that go beyond speed alone. We're seeing a shift in how companies think about payments, with clients using RTP to make treasury operations more precise, efficient and resilient.”