BoA domestic and international wire fees — Irvine, CA 2026 guide

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

CA customers asking about BoA fees: the schedule below is from BoA. The regulator context is from CFPB. The alternative pricing is from Mercury, RHO, Novo, Relay, Bluevine, Brex, Found's own public marketing. Pick the path that fits your business.

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 Irvine 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/

Irvine context

Most Irvine 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/irvine-ca.

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 Irvine

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 CA cities

• BoA fees in Los Angeles, CA
• BoA fees in Long Beach, CA
• BoA fees in Anaheim, CA
• BoA fees in Santa Ana, CA
• BoA fees in Glendale, CA
• BoA fees in Huntington Beach, CA
• BoA customer-experience review for Irvine →
• Irvine consumer-banking rights →
• Compare 50+ business banks for Irvine (Noizz) →