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Bank account fees

bank account fees

Bank Account Rates and Fees

Explore our checking account options and select an account to review the details, including pricing. You can also receive pricing information by calling 1.800.432.1000, weekdays from 7 a.m. to 10 p.m. local time. Refer to your Personal Schedule of fees for details.

Monthly fees vary by account. Visit the checking area of our website and select an account to review the details, including fees. You may avoid the monthly fees on checking accounts by meeting certain balance or deposit requirements. Refer to your Personal Schedule of fees for details.

Pricing and fees for savings accounts vary by account. Visit the savings area of our website and select an account to review the details, including pricing. You can also receive pricing information by calling 1.800.432.1000.

Visit our Deposit Interest Rates page to view current CD rates and annual percentage yields.

The cost varies by the size of the box. Locate your nearest banking center to inquire about safe deposit box availability and pricing.

An Overdraft Item fee is charged when you write a check or make a withdrawal for an amount that exceeds the balance in your checking or savings account and Bank of America pays the overdraft item anyway.

When we determine that your account is overdrawn after we finish processing for the day, and we pay for the transaction or transactions, we may charge an Overdraft Item Fee of $35.00 per item.

You are charged for no more than 4 Overdraft Item and Return Item Fees per day.

We do not charge you an Overdraft item fee on an everyday non-recurring debit transaction. We also do not charge an Overdraft item fee on a ATM transaction unless you agreed to our overdraft practices for that particular ATM transaction.

Although Bank of America is not obligated to pay an item if your account is overdrawn, the bank may pay these items as a courtesy to you. If you are charged an Overdraft Item fee, you can view the details in your Online Banking transaction record. View our checking accounts for details.

Each time your account has a negative balance for 5 consecutive business days,

you will receive an additional one-time Extended Overdrawn Balance Charge on the sixth day. This fee is in addition to any applicable fees for overdraft items, insufficient funds and returned items. View our checking accounts for details.

If an everyday non-recurring debit transaction or an ATM transaction, for which you did not agree to our overdraft practices, is the transaction that causes your account to become overdrawn, we do not start the 5-business day period. We do start the 5-business day period if another type of transaction either causes or increases the overdraft in your account.

An Overdraft Protection Transfer fee may be charged when a transaction overdraws your checking account and, as a result, available funds are transferred from your linked Overdraft Protection account to cover the amount.

When you do not have enough available funds in your account to cover an item, and we decline to pay or return the item unpaid (a returned item), we will charge an NSF: Returned Item fee for each returned item.

We do not charge you an NSF: Returned Item fee when we decline an ATM transaction or an everyday non-recurring debit card transaction. When you do not have enough available funds in your account to cover an item, and we decline or return the item unpaid (a returned item), we charge a $35 NSF: Returned Item Fee. View our checking accounts for details.

A Non-Bank of America ATM fee occurs whenever you access an ATM outside Bank of America's network for withdrawals, transfers, or balance inquiries. In some instances, you may be charged a fee by the ATM operator or network as well. View our checking accounts for details.

A Check Enclosure fee is charged for returning cancelled checks with your monthly statement. To change the way you receive your statements, visit the Statements & Documents tab for your account.

A Check Image Service fee is charged for returning images of your canceled checks with your monthly statement. You can receive an online version of your statement which includes images of your cancelled checks at no cost. To change the way you receive your statements, sign in to Online Banking and go to the Statements & Documents tab for your account.

Category: Bank

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