Some nest underground, in places such as abandoned rodent holes, under sheds and in compost heaps. Of those that nest above ground, some make nests in thick grass, while others make nests in bird boxes, lofts and in trees. One of the species which nests in bird boxes and lofts is the Tree bumblebee, Bombus hypnorum. With this species you may often see 'swarms' of bees flying around the nest (see the video at the bottom of this page).
There are always some kind of fees to cover the cost. If the fees are in adds or giving personal info to Zelle or make you expose your financial info to third parties, does not makes difference. Yes, there are limits set by SEC, FDIC, the underlined transfer (holding) bank or your own account type.
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