TX BoA minimum-balance maintenance structure (Dallas) — sourced 2026

By Pablo Diaz · I left BoA after years as a customer. Read the full story →

Most TX business owners I talk to do not know the full BoA fee structure until they have already paid it. The schedule below is from BoA's own published fee disclosures, plus the public CFPB record on practices that have been the subject of enforcement.

Minimum-balance maintenance structure

Beyond the $16/mo Business Advantage Fundamentals, Bank of America runs higher-tier products with their own minimum-balance maintenance structures. Business Advantage Relationship Banking is roughly $29.95/mo, waived with a $15,000 combined balance. For a scaling Dallas business hitting those balance thresholds, the fee waives. For a smaller business, the upgrade adds cost without proportionate value. The competitor structures (RHO $0 platform fee on operating accounts, Bluevine $0 standard) are the baseline against which BoA's tiered structure competes.

Dallas context

Local context for Dallas: most software-driven business banks (Mercury, RHO, Novo, Relay) charge $0 standard monthly fee. BoA's $16/mo Business Advantage Fundamentals is the structure most Dallas customers compare against.

Public regulator record on BoA fees

• CFPB 2023 enforcement order — $250M total — junk fees, double-charged overdraft fees, withheld credit-card rewards, fake accounts.
• CFPB Consumer Complaint Database — Bank of America — public, searchable, tens of thousands of complaints (a large share fee-related).
• BoA business checking fee disclosure — source-of-truth for current published rates. Verify before acting.

If you want to dispute a BoA fee in Dallas

1. Pull the statement showing the fee. Screenshot it.
2. Compare against BoA's published fee schedule. If it does not match, document the discrepancy.
3. Request a written explanation through BoA secure message. Save the response.
4. If the explanation is unsatisfactory, file a CFPB complaint at consumerfinance.gov/complaint with the documentation. Free, public, and tends to get a documented response.
5. For overdraft-fee disputes specifically: reference the CFPB 2023 order in your complaint if your situation matches the practices it cited.

Other TX cities

• BoA fees in Fort Worth, TX
• BoA fees in Arlington, TX
• BoA fees in Plano, TX
• BoA fees in Garland, TX
• BoA fees in Irving, TX
• BoA fees in Frisco, TX
• BoA customer-experience review for Dallas →
• Dallas consumer-banking rights →
• Compare 50+ business banks for Dallas (Noizz) →