Bank of America in Midland, TX: review

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

Bank of America keeps 2 branches in Midland, Midland County, 38th of the 150 TX cities in this guide, out of 313 statewide. TX consumers have filed 12,923 CFPB complaints against it, 3,180 of them since January 2025. One customer's experience, mine, set beside what the bank measurably looks like in Midland.

Bank of America's footprint in Midland

Bank of America has 2 branches on file with the FDIC in Midland in Midland County. That is 0.6% of the 313 BoA branches across TX, spread over 37 TX counties in total, and it ranks Midland 38th of the 150 TX cities covered in this guide. They sit across 2 different ZIP codes, so "your" branch and the next-nearest one are not necessarily the same errand.

At only 2 locations, in-person options here are thin, and a branch that will not resolve something leaves you with a written escalation rather than a second counter to try. The nearest alternatives in this guide are Odessa (2 branches).

Source: FDIC BankFind: Bank of America, N.A. (certificate 3510)

Branch counts are Bank of America locations on file with the FDIC (certificate 3510) under each city label; New York City and its boroughs are counted by FDIC county. Postal city labels do not always match municipal boundaries, so treat a zero as "none on file under this city label".

How long Bank of America has been in Midland

Bank of America's Midland footprint is not all one vintage: the oldest office on file dates to 1979, the newest to 1983, 4 years apart. The early end of that range is inherited banking history at 4309 N Garfield St (an establishment date follows an office through mergers) rather than Bank of America's own tenure in Midland.

Those branches are spread over ZIP codes 79701 and 79705. Queues, staffing and how much a manager will authorise are not uniform across Midland: 4309 N Garfield St and 303 W Wall St are separate offices with separate managers, so a refusal at one of them is that counter's answer and not Midland's.

Practically, Midland's branches all entering the record between 1979 and 1983 points to consistent formats, so a poor counter experience at 303 W Wall St is more likely to repeat at the next Midland location than to be one bad branch.

Across Midland's 2 branch ZIP codes, 79701 holds one and 79705 holds one. No Midland ZIP holds more than one office, so every refusal here costs a separate trip across ZIPs rather than a second try down the street.

Office by office, the FDIC establishment years in Midland read 1979, 1983. They spread across 2 decades with no two offices sharing a year, so Midland's footprint was assembled piece by piece.

Source: FDIC BankFind, branch establishment records (certificate 3510)

Establishment dates are the FDIC's date of record for each banking office. That date follows the office through mergers and acquisitions, so an early date means a bank branch has operated at that address since then, not that Bank of America itself has been there that long.

What I observed

Three things wore my BoA experience down: the fees, the security-theater password resets, and the rewards program. I cover each below in the order I felt them. The full account, with the framing I’m comfortable publishing, lives at /my-banking-story.

Locally, that plays out across the 2 Bank of America branches on file in Midland. Where a bank has physical presence, the branch is usually the fastest route to a human who can actually change something on your account, which is exactly why the remote-only failure modes above sting more in places that do not have one.

My full account, written exactly as I would describe it to a friend, is at /my-banking-story.

What TX customers report, and where Midland sits in it

Midland's 2 branches are 0.6% of the 313 Bank of America branches in TX, the 38th-largest share of the 150 TX cities in this guide. Against that footprint, TX consumers have filed 12,923 CFPB complaints against Bank of America, 5,476 since January 2023, 3,180 since January 2025, or about 41 lifetime filings for every branch the bank runs in the state.

"Checking or savings account" leads the TX file at 3,946, then "Mortgage" at 2,316; the most-reported issue is "Managing an account" at 2,325. None is tagged to Midland (the CFPB records by state), but a filing of your own, with dates and amounts attached, is what turns one account's problem into a pattern.

Whether 2 is a lot depends on what it sits beside: the nearest TX footprints in this guide are Mesquite with 2 and Odessa with 2.

The file carries no ZIP or city field, so what locates a Midland filing is what you type into it. The Midland branches on the FDIC record are 4309 N Garfield St and 303 W Wall St; name the one you banked at, with its ZIP (79701 and 79705), in the narrative box.

Source: CFPB Consumer Complaint Database: Bank of America (TX filings)

What the public record shows

• CFPB 2023 enforcement order, $250M total , junk fees, withheld credit-card rewards, fake accounts.
• CFPB 2022 enforcement, $225M , botched unemployment-benefits handling.
• CFPB 2014, $727M in relief , deceptive credit-card add-on practices.
• DOJ RMBS settlement (2014), $16.65 billion , at the time the largest civil settlement with a single entity in U.S. history.
• CFPB Consumer Complaint Database, Bank of America , public, searchable, tens of thousands of complaints.
• BBB profile: Bank of America , public ratings + customer reviews.

Escalating from Midland, in order

Each step produces the evidence the next one expects, so the order matters more than the volume. From Midland, with 2 branches to work with, it runs like this:

1. Do not count on branch escalation. Midland has only 2 branches, so if that handful does not resolve it, move straight to writing; the nearest alternatives in this guide are Odessa (2 branches).
2. Get it in writing with the bank first: a secure message is dated and quotable, a phone call is not. Name the office in it (4309 N Garfield St is the oldest on the FDIC record in Midland); "my branch" is not a reference anyone can look up. No Midland office entered the FDIC record between 1979 and 1983.
3. File with the CFPB at consumerfinance.gov/complaint, free, public, answered on the record, and it joins 12,923 filings already logged from TX.
4. File in parallel with Texas Department of Banking, which supervises banks operating in Midland and carries weight a federal queue does not.
5. Chasing a dormant balance rather than a dispute? Different office: Texas Comptroller: ClaimItTexas.

Sources: Texas Department of Banking · Texas Comptroller: ClaimItTexas · CFPB: file a complaint

If your experience has been similar in Midland

1. File a CFPB complaint. consumerfinance.gov/complaint , free, public, and tends to get a response on the record.
2. File a parallel state complaint. Texas Department of Banking, file a consumer complaint , state regulators carry weight in their own jurisdictions.
3. File a BBB complaint. BBB Bank of America profile.
4. Compare alternatives side-by-side. Review Mercury, RHO, Novo, Relay, Bluevine, Brex, and Found on their real public pricing before you move.
5. Open a new account before closing the old one. 60-90-day buffer.
6. Migrate inflows first, outflows second.

All Bank of America review topics for Midland

• Full customer-experience review, Midland, TX
• Rewards program, Midland, TX
• Fees experience, Midland, TX
• Security and password resets, Midland, TX

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• BoA customer experience in Dallas, TX, 26 branches
• BoA customer experience in Austin, TX, 20 branches
• BoA customer experience in San Antonio, TX, 22 branches
• Consumer-banking rights in Midland →
• Bank of America fee breakdown for Midland →