Bank of America fee schedule overview in San Jose, CA (2026)

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

If you searched "Bank of America fees San Jose" because something on your statement felt wrong, start with the published schedule below. Then read the public CFPB enforcement context. Then decide if you want to dispute or switch.

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/

San Jose context

Local context for San Jose: most software-driven business banks (Mercury, RHO, Novo, Relay) charge $0 standard monthly fee. BoA's $16/mo Business Advantage Fundamentals is the structure most San Jose customers compare against.

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 San Jose

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

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• BoA fees in Sunnyvale, CA
• BoA customer-experience review for San Jose →
• San Jose consumer-banking rights →
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