Bank of America in Schertz, TX, rewards program: review

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

Bank of America keeps 1 branch in Schertz, Guadalupe County, 77th 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 Schertz.

Bank of America's footprint in Schertz

Bank of America has 1 branch on file with the FDIC in Schertz in Guadalupe County. That is 0.3% of the 313 BoA branches across TX, spread over 37 TX counties in total, and it ranks Schertz 77th of the 150 TX cities covered in this guide.

At a single location, 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 San Antonio (22 branches), New Braunfels (1 branch), Boerne (1 branch).

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 Schertz

Every Bank of America office on file in Schertz carries the same FDIC establishment year, 2003. The single branch here entered the FDIC record in that year, which usually marks a single acquisition or a single build-out rather than a footprint grown over decades. The oldest sits at 17460 I-35 North, Suite 300.

The whole Schertz footprint sits inside ZIP 78154. Queues, staffing and how much a manager will authorise are not uniform across Schertz, so a refusal at 17460 I-35 North, Suite 300 is that office's answer rather than the bank's; the next move is a written escalation, not another queue in Schertz.

Practically, Schertz's branches all entering the record between 2003 and 2003 points to consistent formats, so a poor counter experience at 17460 I-35 North, Suite 300 is more likely to repeat at the next Schertz location than to be one bad branch.

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 (rewards program)

This is the section that moved my BoA experience from frustration to genuinely suspicious. In my experience, rewards I expected did not credit to my account. I set up auto-redeem AND manually requested redemptions on multiple occasions. Neither path produced a deposit I could see. I contacted support, followed every step, and from my perspective, nothing reached my account.

Rewards were also central to the CFPB's 2023 enforcement order, which cited Bank of America for withholding credit-card rewards. That is the public-record counterpart to what I describe above. A Schertz customer who believes rewards did not credit has a documented precedent to reference in a complaint, and 12,923 TX filings already sitting in that database.

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

What TX customers report, and where Schertz sits in it

Schertz's 1 branch is 0.3% of the 313 Bank of America branches in TX, the 77th-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 Schertz (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 1 is a lot depends on what it sits beside: the nearest TX footprints in this guide are San Marcos with 1 and Temple with 1.

The file carries no ZIP or city field, so what locates a Schertz filing is what you type into it. The Schertz branches on the FDIC record are 17460 I-35 North, Suite 300; name the one you banked at, with its ZIP (78154), 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 Schertz, in order

Each step produces the evidence the next one expects, so the order matters more than the volume. From Schertz, with 1 branch to work with, it runs like this:

1. Do not count on branch escalation. Schertz has only 1 branch, so if that one location does not resolve it, move straight to writing; the nearest alternatives in this guide are San Antonio (22 branches), New Braunfels (1 branch).
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 (17460 I-35 North, Suite 300 is the oldest on the FDIC record in Schertz); "my branch" is not a reference anyone can look up.
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 Schertz 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 Schertz

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 Schertz

• Full customer-experience review, Schertz, TX
• Rewards program, Schertz, TX

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• BoA customer experience in Boerne, TX, 1 branch
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• BoA customer experience in Floresville, TX, no branch on file
• Consumer-banking rights in Schertz →
• Bank of America fee breakdown for Schertz →