BoA domestic and international wire fees — Houston, TX 2026 guide

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

Houston business owners often discover BoA's full fee structure only after a year of statements. This page collapses that into a single read: published rates, waiver mechanics, public enforcement context, and what the alternatives charge.

Domestic and international wire fees

Bank of America wire transfer fees per their published schedule: roughly $30 per outgoing domestic wire and $45 per outgoing international wire. Incoming wires typically run $15. For a Houston business that sends a handful of vendor wires per month, this adds up to several hundred dollars annually. Mercury offers free domestic wires on most plans; RHO offers free outgoing wires on most tiers. If wire volume is meaningful for your business, the fee differential alone often justifies switching. BoA fee schedule source: https://www.bankofamerica.com/smallbusiness/business-financing/checking-accounts/

Houston context

In Houston, TX, the relevant comparison for BoA's fee schedule is what software-driven alternatives charge for the same use case. The schedule below is one half of that comparison.

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) →