Bank of America out-of-network ATM fees in Houston, TX (2026)

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

Bank of America's fee schedule is on their public site, but the CFPB record on how those fees have been applied in practice is also public. Houston customers deserve both. Below: schedule + record + waiver strategies + alternatives.

Out-of-network ATM fees

Bank of America's out-of-network ATM fee structure: $2.50 per withdrawal at non-BoA ATMs, plus the third-party ATM operator fee (typically $2.50–$5). Total cost per out-of-network withdrawal: $5–$7.50. In Houston, TX, BoA's branch network coverage is generally good in major metros and thinner in secondary areas. If your business needs frequent cash deposits or withdrawals outside BoA's footprint, this fee category compounds. Source: BoA personal banking fee schedule (small business follows similar structure).

Houston context

Local context for Houston: 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 Houston 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 Houston

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

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• BoA fees in Pearland, TX
• BoA fees in Sugar Land, TX
• BoA fees in League City, TX
• BoA fees in Baytown, TX
• BoA fees in Missouri City, TX
• BoA customer-experience review for Houston →
• Houston consumer-banking rights →
• Compare 50+ business banks for Houston (Noizz) →