Bank of America Fees for Account Maintenance, Overdrafts

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Information for Monthly maintenance fee.

$12 per statement cycle

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

Have at least one qualifying direct deposit of $250 or more made to your account. Learn about qualifying direct deposits.

Maintain a minimum daily balance of $1,500 or more in your account

Are a member in our Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (fee waiver applies to first 4 checking accounts) or Diamond or Diamond Honors tier (unlimited).

Please refer to your Personal Schedule of Fees for details.

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

Have at least one qualifying direct deposit of $250 or more made to your account. Learn about qualifying direct deposits.

Maintain a minimum daily balance of $1,500 or more in your account

Please refer to your Personal Schedule of Fees for details.

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

Preferred Rewards Platinum using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive one (1) refund per statement cycle of the ATM operator or network fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.

Platinum Honors, Diamond and Diamond Honors tier clients using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.

Plus any fee charged by the ATM's operator.

$5 each outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

Preferred Rewards Diamond and Diamond Honors members using a Bank of America Debit or ATM card will not be charged the International Transaction Fee or the non-Bank of America ATM fee for withdrawals and transfers from non-Bank of America ATMs in a foreign country.

View more important information

Use your Bank of America ATM or debit card at one of our International partner ATMs below and avoid the non-Bank of America ATM $5 usage fee for each withdrawal or transfer as well as the ATM operator access fee.

Bank of America will assess an International Transaction Fee of 3% of the converted US dollar amount. This fee is assessed as a separate transaction fee on the posting date of the withdrawal. The International Transaction Fee may be waived for certain account relationships. Your deposit account statement will reflect the U.S. dollar equivalent of your foreign ATM withdrawal. Foreign ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To ensure that your currency conversion does not incur a fee higher than 3%, you may refuse the ATM operator's offer to convert the amount of the transaction.

International Partner ATMs

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Scotiabank
Coverage Area: Mexico, Canada, Peru, Chile and the Caribbean including: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Saint Maarten, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & the Grenadines, Trinidad & Tobago, Turks & Caicos Islands and U.S. Virgin Islands

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Overdraft settings and fees.

To help you avoid fees, we won't authorize ATM withdrawals or everyday debit card purchases when you don't have enough money in your account at the time of the transaction.
We offer two overdraft setting options for how you want us to process your other transactions, such as checks and scheduled payments.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

$10.00 per item

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

No fee

If enrolled in Online Banking, you can view and print your available statements in the Statements & Documents tab.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from Online Banking.

Varies

Depending on the style you choose.

Preferred Rewards clients get this fee waived on standard checks and discounts on certain styles.

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

Depending on the style you choose.

Preferred Rewards clients get this fee waived on standard checks and discounts on certain styles.

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

Fee applies when you authorize another financial institution to use your card or card number to conduct a transaction (such as a withdrawal, transfer, or payment) and the other financial institution processes the transaction as a cash disbursement.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00 each

Each request

This fee is waived for Preferred Rewards clients.

Each request

This fee is waived for Preferred Rewards clients.

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

$15.00 each

Domestic wire transfer

This fee is waived For Preferred Rewards clients.

Domestic wire transfer

This fee is waived For Preferred Rewards clients.

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$25 per statement cycle

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

Maintain a minimum daily balance of $20,000 or more in your account

Link Your Accounts:
Ask us to link your other eligible accounts to your Bank of America Advantage Relationship Banking^® account to avoid the monthly maintenance fee on the linked account. You must tell us what accounts you want us to link. We do not automatically link other accounts for pricing and will not link your accounts unless you tell us to do so. Please review “What does it mean to link accounts?” in the Personal Schedule of Fees under the “Frequently Asked Questions About Accounts” section for additional information on how to link eligible accounts to avoid the Monthly Maintenance Fee. We may send you a combined statement for your linked accounts. You can find monthly maintenance fee information by visiting Bank Account Fees.

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

Maintain a minimum daily balance of $20,000 or more in your account

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

$5.00 each outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No fee

There is no fee per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Overdraft settings and fees.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

$10.00 per item

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

No fee

If enrolled in Online Banking, you can view and print your available statements in the Statements & Documents tab.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from Online Banking.

Varies

No fee on standard styles and discounts on certain styles

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

No fee on standard styles and discounts on certain styles

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

No fee

Each request

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

No Fee

Domestic wire transfer

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$4.95 per statement cycle

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

An owner of this account is under the age of 25

Maintain a minimum daily balance of $500 or more in your account

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

An owner of this account is under the age of 25

Maintain a minimum daily balance of $500 or more in your account

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

Preferred Rewards Platinum Honors, Diamond and Diamond Honors members using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.

Plus any fee charged by the ATM's operator.

$5.00 each outside the U.S.

Plus any fee charged by the ATM's operator.

An international transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal. Preferred Rewards Diamond and Diamond Honors members qualify for a waiver of the International Transaction Fee.

Preferred Rewards Diamond and Diamond Honors members using a Bank of America debit or ATM card are not charged the non-Bank of America ATM fee for withdrawals and transfers from non-Bank of America ATMs in a foreign country.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

No fee

If enrolled in Online Banking, you can view and print your available statements in the Statements & Documents tab.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from Online Banking.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00

Each request

Preferred Rewards members qualify for a waiver of this fee.

There is no charge to place a stop payment on a recurring debit card transaction.

Each request

Preferred Rewards members qualify for a waiver of this fee.

There is no charge to place a stop payment on a recurring debit card transaction.

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

$15.00

Domestic wire transfer

Fee is waived for Preferred Rewards (Platinum, Platinum Honors, Diamond and Diamond Honors) members.

Domestic wire transfer

Fee is waived for Preferred Rewards (Platinum, Platinum Honors, Diamond and Diamond Honors) members.

$15.00

Foreign wire transfer; other banks may charge additional fees.

$30.00

Domestic wire transfer

Preferred Rewards Diamond tier members qualify for a waiver of the Outgoing Domestic and International Wire Transfer fees (2 per statement cycle). Diamond Honors tier members qualify for unlimited waivers of these fees.

Domestic wire transfer

$0.00

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

Information for Monthly maintenance fee.

$5 per statement cycle

We'll waive the monthly maintenance fee each statement cycle you meet one of the following:

Maintain a minimum daily balance of $300 or more in your account

Ask us to link your Regular Savings account to your Bank of America Advantage Relationship Banking^®, Bank of America Advantage^® with Tiered Interest Checking or Bank of America Advantage^® Regular Checking Accounts (first 4 savings accounts).

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts), or Diamond or Diamond Honors tier (unlimited)

Please see the Personal Schedule of Fees for more information on how to link eligible accounts to avoid the Monthly Maintenance Fee.

We'll waive the monthly maintenance fee each statement cycle you meet one of the following:

Maintain a minimum daily balance of $300 or more in your account

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts), or Diamond or Diamond Honors tier (unlimited)

Please see the Personal Schedule of Fees for more information on how to link eligible accounts to avoid the Monthly Maintenance Fee.

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

Preferred Rewards Platinum, Platinum Honors, Diamond and Diamond Honors tier clients using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals and transfers (1 per statement cycle for Platinum tier clients, unlimited for Platinum Honors, Diamond and Diamond Honors tier clients) from non-Bank of America ATMs in the U.S.

Plus any fee charged by the ATM's operator.

$5 each outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients

Information for Additional fees.

No Fee

If enrolled in Online Banking, you can view and print your available statements in the Statements & Documents tab.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00

Each request

This fee is waived for Preferred Rewards clients.

Each request

This fee is waived for Preferred Rewards clients.

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

$15.00

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$8 per statement cycle

We'll waive the monthly maintenance fee each statement cycle you meet one of the following:

Maintain a minimum daily balance of $500 or more in your account

Ask us to link your Advantage Savings account to your Bank of America Advantage Relationship Banking^®, Bank of America Advantage^® with Tiered Interest Checking or Bank of America Advantage^® Regular Checking Accounts (first 4 savings accounts).

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts), or Diamond or Diamond Honors tier (unlimited).

An owner of this account is under the age of 25^*

Please see the Personal Schedule of Fees for more information on how to link eligible accounts to avoid the Monthly Maintenance Fee.

^*Fiduciary accounts, including UTMA/UGMA, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee.

For new accounts, we will waive the monthly maintenance fee for six months from account opening.

We'll waive the monthly maintenance fee each statement cycle you meet one of the following:

Maintain a minimum daily balance of $500 or more in your account

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts), or Diamond or Diamond Honors tier (unlimited).

An owner of this account is under the age of 25^*

Please see the Personal Schedule of Fees for more information on how to link eligible accounts to avoid the Monthly Maintenance Fee.

^*Fiduciary accounts, including UTMA/UGMA, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee.

For new accounts, we will waive the monthly maintenance fee for six months from account opening.

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

$5 each outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients

Information for Additional fees.

No fee

If enrolled in Online Banking, you can view and print your available statements in the Statements & Documents tab.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00

Each request

This fee is waived for Preferred Rewards clients.

Each request

This fee is waived for Preferred Rewards clients.

$15.00

Per check

This fee is waived for Preferred Rewards clients

Per check

This fee is waived for Preferred Rewards clients

$15.00

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$12 per statement cycle

We'll waive the monthly maintenance fee each statement cycle you meet one of the following:

Maintain a minimum daily balance of $2,500 or more in your account

Ask us to link your Money Market Saving account to your Bank of America Advantage Relationship Banking^®, Bank of America Advantage^® with Tiered Interest Checking or Bank of America Advantage^® Regular Checking Accounts (first 4 savings accounts).

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts), or Diamond or Diamond Honors tier (unlimited).

Please see the Personal Schedule of Fees for more information on how to link eligible accounts to avoid the Monthly Maintenance Fee.

We'll waive the monthly maintenance fee each statement cycle you meet one of the following:

Maintain a minimum daily balance of $2,500 or more in your account

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts), or Diamond or Diamond Honors tier (unlimited).

Please see the Personal Schedule of Fees for more information on how to link eligible accounts to avoid the Monthly Maintenance Fee.

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers, payments or balance inquirie

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

$5 each outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Additional fees.

No fee

If enrolled in Online Banking, you can view and print your available statements in the Statements & Documents tab.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00

Each request

This fee is waived for Preferred Rewards clients.

Each request

This fee is waived for Preferred Rewards clients.

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

$15.00

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$12 per statement cycle

No Monthly maintenance fee for each statement cycle that you:

Maintain a minimum daily balance of at least $2500

Link your account to your Bank of America Advantage Relationship Banking, Bank of America Advantage^® with Tiered Interest Checking or Bank of America Advantage^® Regular Checking Accounts (first 4 savings accounts).

Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 savings accounts) or Diamond or Diamond Honors tier (unlimited) or Diamond or Diamond Honors tier (unlimited).

No Monthly maintenance fee for each statement cycle that you:

Maintain a minimum daily balance of at least $2500

Information for Transaction Limits.

Total of 6 transfers and withdrawals each monthly statement cycle without a Withdrawal Limit Fee

You may be charged a $0 fee for each additional transfer and withdrawal you make before your statement cycle ends.

You will be charged no more than 6 of these fees each statement cycle.

If you maintain a minimum daily balance of $2500 or more in this account or if you are enrolled in the Preferred Rewards program, you won't be charged this fee.

Total of 6 transfers and withdrawals each monthly statement cycle without a Withdrawal Limit Fee

You may be charged a $0 fee for each additional transfer and withdrawal you make before your statement cycle ends.

You will be charged no more than 6 of these fees each statement cycle.

If you maintain a minimum daily balance of $2500 or more in this account or if you are enrolled in the Preferred Rewards program, you won't be charged this fee.

The Deposit Agreement and Disclosures limits the number of the following types of withdrawals and transfers from a savings account to a total of six (6) each monthly statement cycle (or each month for savings accounts with a quarterly statement cycle), including Online and Mobile Banking transfers or payments. If you exceed these limits on more than an occasional basis, we may convert your account to another type of account and your account may no longer earn interest. See the Deposit Agreement and Disclosures for details.

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

$5 each outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clientsy

Information for Additional fees.

$5.00

You can avoid this fee by viewing and printing your available statements in the Statements & Documents tab in Online Banking instead of ordering a copy from us.

This fee is waived for Preferred Rewards clients.

You can avoid this fee by viewing and printing your available statements in the Statements & Documents tab in Online Banking instead of ordering a copy from us.

This fee is waived for Preferred Rewards clients.

No fee

Each request

This fee is waived for Preferred Rewards clients.

Each request

This fee is waived for Preferred Rewards clients.

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

No fee

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Preferred Rewards clients.

$16.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$14 per statement cycle

You can avoid the Monthly maintenance fee when you meet one of the following requirements during each statement cycle:

$1,500 or more minimum daily balance in Checking account

$2,000 or more minimum daily balance in a linked Regular Savings account

$5,000 or more minimum daily balance in a linked Money Market Savings account

$5,000 or more average daily balance in Checking with linked savings, CD and IRA accounts

Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (fee waiver applies to first 4 checking accounts) or Diamond or Diamond Honors tier (unlimited).

Link Your Accounts:
Ask us to link your other eligible accounts to your Regular Checking account to avoid the monthly maintenance fee. You must tell us what accounts you want us to link. We do not automatically link other accounts for pricing and will not link your accounts unless you tell us to do so. Please review “What does it mean to link accounts?” in the Personal Schedule of Fees under the “Frequently Asked Questions About Accounts” section for additional information on how to link eligible accounts to avoid the Monthly Maintenance Fee. We may send you a combined statement for your linked accounts. You can find monthly maintenance fee information by visiting Bank Account Fees.

You can avoid the Monthly maintenance fee when you meet one of the following requirements during each statement cycle:

$1,500 or more minimum daily balance in Checking account

$2,000 or more minimum daily balance in a linked Regular Savings account

$5,000 or more minimum daily balance in a linked Money Market Savings account

$5,000 or more average daily balance in Checking with linked savings, CD and IRA accounts

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50

within the U.S.

Plus any fee charged by the ATM's operator.

outside the U.S.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An International Transaction Fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Overdraft settings and fees.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

$10.00 per item

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

$5.00 each

You can avoid this fee by viewing and printing your available statements in the Statements & Documents tab in Online Banking instead of ordering a copy from us.

This fee is waived for Preferred Rewards clients.

You can avoid this fee by viewing and printing your available statements in the Statements & Documents tab in Online Banking instead of ordering a copy from us.

This fee is waived for Preferred Rewards clients.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from online banking/business advantage 360.

Varies

Depending on the style you choose.

Preferred Rewards clients get this fee waived on standard styles and discounts on certain styles.

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

Depending on the style you choose.

Preferred Rewards clients get this fee waived on standard styles and discounts on certain styles.

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00

Each request

This fee is waived for Preferred Rewards clients.

Each request

This fee is waived for Preferred Rewards clients.

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Diamond, and Diamond Honors Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

Diamond, and Diamond Honors Preferred Rewards clients.

$15.00

Domestic wire transfer

Fee is waived for Preferred Rewards Platinum and Platinum Honors clients.

Diamond, and Diamond Honors Preferred Rewards clients.

Domestic wire transfer

Fee is waived for Preferred Rewards Platinum and Platinum Honors clients.

Diamond, and Diamond Honors Preferred Rewards clients.

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$25 per statement cycle

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

$5,000 or more average daily balance in checking or linked Regular Savings

$10,000 or more average daily balance in checking with linked savings, money market savings, CD and IRA

$15,000 or more outstanding in linked installment loan or line of credit

Any amount in a linked Bank of America first mortgage loan that we service

$15,000 or more total combined assets in linked eligible Merrill Edge and Merrill Lynch investment accounts. (See the Personal Schedule of Fees for details about which investment accounts are eligible to be linked.) Learn about combined balances.

Link Your Accounts:
Ask us to link your other eligible accounts to your Bank of America Advantage with Tiered Interest Checking account to avoid the monthly maintenance fee on your Bank of America Advantage with Tiered Interest Checking or the linked account. You must tell us what accounts you want us to link. We do not automatically link other accounts for pricing and will not link your accounts unless you tell us to do so. Please review “What does it mean to link accounts?” in the Personal Schedule of Fees under the “Frequently Asked Questions About Accounts” section for additional information on how to link eligible accounts to avoid the Monthly Maintenance Fee. We may send you a combined statement for your linked accounts. You can find monthly maintenance fee information by visiting Bank Account Fees.

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

$5,000 or more average daily balance in checking or linked Regular Savings

$10,000 or more average daily balance in checking with linked savings, money market savings, CD and IRA

$15,000 or more outstanding in linked installment loan or line of credit

Any amount in a linked Bank of America first mortgage loan that we service

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

$5.00 each outside the U.S.

Plus any fee charged by the ATM's operator.

An international transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An international transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No fee

There is no fee per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Overdraft settings and fees.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

$10.00 per item

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

No fee

For each statement copy. You can also view and print your available statements in the Statements & Documents tab in Online Banking instead of ordering a copy from us.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from online banking/business advantage 360.

Varies

No fee on standard checks and discounts on certain styles

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

No fee on standard checks and discounts on certain styles

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

No fee

Each request

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

No Fee

Domestic wire transfer

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$25 per statement cycle

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

$5,000 or more average daily balance in checking or linked Regular Savings

$10,000 or more average daily balance in checking with linked savings, money market savings, CD and IRA

$15,000 or more outstanding in linked installment loan or line of credit

Any amount in a linked Bank of America first mortgage loan that we service

Link Your Accounts:
Ask us to link your other eligible accounts to your Bank of America Advantage Regular Checking account to avoid the monthly maintenance fee on your Bank of America Advantage Regular Checking or the linked account. You must tell us what accounts you want us to link. We do not automatically link other accounts for pricing and will not link your accounts unless you tell us to do so. Please review “What does it mean to link accounts?” in the Personal Schedule of Fees under the “Frequently Asked Questions About Accounts” section for additional information on how to link eligible accounts to avoid the Monthly Maintenance Fee. We may send you a combined statement for your linked accounts. You can find monthly maintenance fee information by visiting Bank Account Fees.

You can avoid the Monthly Maintenance Fee when you meet one of the following requirements during each statement cycle:

$5,000 or more average daily balance in checking or linked Regular Savings

$10,000 or more average daily balance in checking with linked savings, money market savings, CD and IRA

$15,000 or more outstanding in linked installment loan or line of credit

Any amount in a linked Bank of America first mortgage loan that we service

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 each within the U.S.

Plus any fee charged by the ATM's operator.

$5.00 each outside the U.S.

Plus any fee charged by the ATM's operator.

An international transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Plus any fee charged by the ATM's operator.

An international transaction fee of 3% of the U.S. dollar amount for each converted ATM cash withdrawal. This fee is assessed as a separate transaction fee on the posting date of the withdrawal.

View more important information

Bank Name: Barclays
Coverage Area: England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands

Bank Name: BNP Paribas
Coverage Area: France

Bank Name: BNL D'Italia
Coverage Area: Italy

Bank Name: Deutsche Bank
Coverage Area: Germany and Spain

Bank Name: UkrSibbank
Coverage Area: Ukraine

Bank Name: TEB
Coverage Area: Turkey

Bank Name: Westpac Bank
Coverage Area: Australia and New Zealand

Bank Name: China Construction
Coverage Area: Mainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

No fee

There is no fee per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Overdraft settings and fees.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

$10.00 per item

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

No fee

For each statement copy. You can also view and print your available statements in the Statements & Documents tab in Online Banking instead of ordering a copy from us.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from online banking/business advantage 360.

Varies

No fee on standard checks and discounts on certain styles

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

No fee on standard checks and discounts on certain styles

These fees are waived for Diamond Honors (unlimited) Preferred Rewards clients.

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

No fee

Each request

$15.00

Per check

This fee is waived for Preferred Rewards clients.

Per check

This fee is waived for Preferred Rewards clients.

No Fee

Domestic wire transfer

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Monthly maintenance fee.

$7.00 per statement cycle

You can avoid the Monthly Maintenance fee when you meet BOTH of the following requirements during each statement cycle:

Maintain a $100.00 minimum daily balance in checking

AND

Have a monthly qualifying direct deposit of at least $100. Learn about qualifying direct deposits

Are enrolled in the Preferred Rewards program (waiver applies to the first 4 checking accounts), Diamond and Diamond Honors tier (unlimited)

You can avoid the Monthly Maintenance fee when you meet BOTH of the following requirements during each statement cycle:

Maintain a $100.00 minimum daily balance in checking

AND

Have a monthly qualifying direct deposit of at least $100. Learn about qualifying direct deposits

Are enrolled in the Preferred Rewards program (waiver applies to the first 4 checking accounts), Diamond and Diamond Honors tier (unlimited)

Information for ATM Fees.

No ATM fee

For deposits, withdrawals, transfers or balance inquiries

$2.50 within the U.S.

Plus any fee charged by the ATM's operator.

Platinum Honors, Diamond and Diamond Honors tier members using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.

Plus any fee charged by the ATM's operator.

No Fee

$15 per card for rush delivery. Rush delivery fees are waived for Preferred Rewards clients.

Information for Overdraft settings and fees.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

Option 1: Standard - This setting will be automatically applied to your account.

Your checks and scheduled payments may be paid, causing an overdraft.
You may be charged an Overdraft Item Fee if you overdraw your account.
When we return an item unpaid, we won't charge a fee, but the payee may.

Option 2: Decline All - You can choose this setting if you would like to have your transactions declined or returned unpaid when you don't have enough money.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account.
When we decline or return a transaction, we won't charge a fee, but the payee may.

$10.00 per item

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

This fee is charged when your account has insufficient funds for a payment or purchase, but we pay it anyway. We make this decision at our discretion.

We won't charge this fee:

If your account is overdrawn by $1 or less OR
For items that are $1 or less OR
On ACH resubmissions labeled by the merchant as "RETRY PYMT" or "REDEPCHECK"

We won't charge you more than 2 of these fees per day.

This fee is waived for Diamond (1 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Information for Additional fees.

No fee

For all Bank of America accounts, there is no fee for Bill Pay Service if you’re enrolled in Online Banking.

No fee

You can view and print your available statements in the Statements & Documents tab in Online banking instead of ordering a copy from us.

No fee

Our Online Banking service allows you to view and print copies of checks that posted to your account within the last 18 months.

No fee

Check Copies can be viewed and/or printed from online banking/business advantage 360.

Varies

Depending on the style you choose, this fee waived on standard checks and discounts are applied on non-standard design.

Varies

For each transaction, the greater of $5 per withdrawal OR 3% of the dollar amount of the transaction, up to a maximum of $10.

$30.00

Each request

This fee is waived for Preferred Rewards members.

Each request

This fee is waived for Preferred Rewards members.

$15.00

Per check

This fee is waived for Preferred Rewards members.

Per check

This fee is waived for Preferred Rewards members.

$15.00

Domestic wire transfer. This fee is waived for Preferred Rewards Platinum and Platinum Honors, Diamond and Diamond Honors Preferred Rewards Clients.

Diamond, and Diamond Honors Preferred Rewards clients.

Domestic wire transfer. This fee is waived for Preferred Rewards Platinum and Platinum Honors, Diamond and Diamond Honors Preferred Rewards Clients.

Diamond, and Diamond Honors Preferred Rewards clients.

$15.00

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

Foreign wire transfer; other banks may charge additional fees.

This fee is waived for Platinum, Platinum Honors, Diamond, and Diamond Honors Preferred Rewards clients.

$30.00

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Domestic wire transfer

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

No Fee

Foreign wire transfer sent in foreign currency; other banks may charge fees.

$45.00

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.

This fee is waived for Diamond (2 per statement cycle) and Diamond Honors (unlimited) Preferred Rewards clients.

Effective: June 5, 2024

Advantage Plus Banking

Advantage Relationship Banking

Advantage SafeBalance Banking

Regular Savings

Advantage Savings

Minor Savings Account (Under 18)

Personal Money Market Savings

Platinum Money Market Savings

Money Market Savings

Custodial Savings Account (UTMA)

Flexible CD/IRA

Featured CD/IRA

Standard Term CD/IRA

Regular Checking

Advantage with Tiered Bank of America Advantage Relationship Banking^®

Advantage Regular Checking

Senior Economy Checking

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