Bank of America international card fees for Houston businesses

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

If you are auditing your business banking costs in Houston, BoA's fee picture comes in three parts: the published schedule, the realistic waiver thresholds, and the regulator record. This page covers all three, sources cited.

International card fees

Bank of America business debit cards typically carry a ~3% foreign transaction fee on international purchases. For a TX business with international vendors, software subscriptions billed from outside the US, or international travel, this fee compounds quickly. Mercury and RHO debit cards have lower or zero foreign transaction fee structures depending on tier. Verify the specific card terms on BoA's published schedule before relying on the percentage above.

Houston context

Most Houston business owners I see auditing fees compare BoA vs Mercury or RHO. The fee structure below is the BoA-side data. Mercury and RHO sides are at noizz.io/business-banking/houston-tx.

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

• BoA fees in Pasadena, TX
• 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) →