TX BoA minimum-balance maintenance structure (Plano) — sourced 2026

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

If you are a Bank of America customer in Plano, TX trying to figure out what you are actually paying every month, this page lays out BoA's published fee schedule, the realistic waiver paths, and the public regulator record on BoA fee practices. Cited at the source — verify before you act.

Minimum-balance maintenance structure

Beyond the $16/mo Business Advantage Fundamentals, Bank of America runs higher-tier products with their own minimum-balance maintenance structures. Business Advantage Relationship Banking is roughly $29.95/mo, waived with a $15,000 combined balance. For a scaling Plano business hitting those balance thresholds, the fee waives. For a smaller business, the upgrade adds cost without proportionate value. The competitor structures (RHO $0 platform fee on operating accounts, Bluevine $0 standard) are the baseline against which BoA's tiered structure competes.

Plano context

In Plano, 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 Plano

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

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• BoA customer-experience review for Plano →
• Plano consumer-banking rights →
• Compare 50+ business banks for Plano (Noizz) →