AZ BoA fee schedule overview (Phoenix) — sourced 2026

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

BoA fee schedules in Phoenix look like everyone else's at first read. The differences appear in (1) waiver thresholds, (2) overdraft handling history, (3) wire and ATM markups. Below: each category with the sources Google can verify.

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/

Phoenix context

Most Phoenix 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/phoenix-az.

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 Phoenix

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 AZ cities

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• BoA fees in Tempe, AZ
• BoA customer-experience review for Phoenix →
• Phoenix consumer-banking rights →
• Compare 50+ business banks for Phoenix (Noizz) →