Bank of America international card fees in Staten Island, NY (2026)

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

Bank of America fees in Staten Island, NY run on a tier system: most fees waive if you keep enough average balance or hit qualifying activity. The trick is knowing which thresholds apply to which product, and which fees the CFPB has flagged in public enforcement. Both below.

International card fees

Bank of America business debit cards typically carry a ~3% foreign transaction fee on international purchases. For a NY business with international vendors, software subscriptions billed from outside the US, or international travel, this fee compounds quickly. Mercury and RHO debit cards have lower or zero foreign transaction fee structures depending on tier. Verify the specific card terms on BoA's published schedule before relying on the percentage above.

Staten Island context

Local context for Staten Island: 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 Staten Island 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 Staten Island

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 NY cities

• BoA fees in New York City, NY
• BoA fees in Brooklyn, NY
• BoA fees in Queens, NY
• BoA fees in Bronx, NY
• BoA fees in Yonkers, NY
• BoA fees in New Rochelle, NY
• BoA customer-experience review for Staten Island →
• Staten Island consumer-banking rights →
• Compare 50+ business banks for Staten Island (Noizz) →