The schedule establishes fees of $2.50 per domestic non-Bank of America ATM transaction and $5.00 per international non-Bank of America ATM transaction, in addition to any fees charged by the ATM operator or network.
This analysis describes what Bank of America's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the bank's own ATM surcharge structure for out-of-network ATM use, and discloses that ATM operator fees are assessed separately and in addition to the bank's own fee, resulting in potentially stacked fees for a single transaction.
Under these terms, using a non-Bank of America ATM for withdrawals or transfers incurs a $2.50 fee domestically or $5.00 internationally from Bank of America, plus any additional fee charged by the ATM operator or network; BofA Rewards tier members at the Preferred Honors or Premier tiers (effective May 26, 2026) may receive waivers of both the bank fee and the operator fee refund for qualifying transactions.
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Compare across platforms →"Non-Bank of America ATM Fee for: Withdrawals and transfers at a non-Bank of America ATM in the U.S. $2.50 each. Non-Bank of America ATM Fee for: Withdrawals and transfers at a non-Bank of America ATM in a foreign country $5.00 each. When you use a non-Bank of America ATM, you may also be charged a fee by the ATM operator or any network used.Excerpt from Bank of America's Fee Schedule
(1) REGULATORY LANDSCAPE: ATM fee disclosures are subject to Regulation E, which requires financial institutions to disclose ATM fees before the customer completes the transaction.
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This provision establishes the bank's own ATM surcharge structure for out-of-network ATM use, and discloses that ATM operator fees are assessed separately and in addition to the bank's own fee, resulting in potentially stacked fees for a single transaction.
Under these terms, using a non-Bank of America ATM for withdrawals or transfers incurs a $2.50 fee domestically or $5.00 internationally from Bank of America, plus any additional fee charged by the ATM operator or network; BofA Rewards tier members at the Preferred Honors or Premier tiers (effective May 26, 2026) may receive waivers of both the bank fee and …
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