North Richland Hills BoA fee schedule overview: schedule + waiver paths

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

In North Richland Hills, TX, the cost of staying with Bank of America vs switching depends mostly on how much you pay in monthly + transaction fees. This page maps out exactly what BoA charges per category, where the waivers apply, and where the regulators have stepped in.

Fee schedule overview

BoA's main small business fee categories: monthly maintenance ($16/mo Business Advantage Fundamentals, waived with $5,000 avg balance), wire transfers ($30 domestic / $45 international), out-of-network ATMs ($2.50 + third-party fee), overdraft fees (subject to CFPB 2023 enforcement on stacking practices), foreign transactions (~3% on most cards), and per-product minimum balance fees on relationship products. Each is on BoA's published fee disclosure page. The CFPB consumer complaint database has tens of thousands of fee-related complaints filed against Bank of America for additional public-record context. Source-of-truth fee schedule: https://www.bankofamerica.com/smallbusiness/business-financing/checking-accounts/

North Richland Hills context

Most North Richland Hills 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/north-richland-hills-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 North Richland Hills

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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• BoA customer-experience review for North Richland Hills →
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