Long Beach BoA domestic and international wire fees: schedule + waiver paths

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 Long Beach 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/

Long Beach context

In Long Beach, CA, 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 Long Beach

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.

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