Bank of America · Bank of America Fee Schedule · View original document ↗

Out-of-Network ATM Fee

Medium severity Unique · 0 of 343 platforms
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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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision establishes the fee structure governing ATM access outside the Bank of America network, creating a cost mechanism that applies based on ATM selection and transaction location rather than account status.

Clause Stability Stable

0
Changes
3
Months Monitored
Apr 27, 2026
First Seen
Apr 27, 2026
Last Seen
This clause type exists across 535 other provisions on other platforms.

Consumer impact (what this means for users)

Account holders using non-Bank of America ATMs are subject to per-transaction fees assessed by the bank, separate from any fees charged by the ATM operator. International ATM transactions incur additional foreign transaction fees beyond the base non-network ATM fee.

How other platforms handle this

Coinbase Medium

When you convert one cryptocurrency to another, Coinbase charges a spread of approximately 0.5% (higher or lower depending on market fluctuations) and a Coinbase Fee based on the size of the transaction and your region.

Wise Medium

We may change our fees and exchange rate spreads at any time by giving you notice in accordance with this Agreement. Changes to fees and exchange rates may take effect immediately or on a date specified in the notice.

Revolut Medium

You can close your account at any time through the Revolut app, or by emailing us at support@revolut.com. You will still have to pay any charges you've incurred. We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your M...

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▸ View Original Clause Language DOCUMENT RECORD
"
When you use a non-Bank of America ATM in the U.S., you may be charged a Non-Bank of America ATM fee per transaction. You may also be charged a fee by the ATM operator. International transactions at non-Bank of America ATMs may incur additional fees including a foreign transaction fee.

— Excerpt from Bank of America's Bank of America Fee Schedule

Provision details

Document information
Document
Bank of America Fee Schedule
Entity
Bank of America
Document last updated
May 5, 2026
Tracking information
First tracked
March 6, 2026
Last verified
May 10, 2026
Record ID
CA-P-003323
Document ID
CA-D-00055
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
e5f90db86e46d246cf0f319312eccb9e32bdf30adc9d7c1d825cc7f77ca936da
Analysis generated
March 6, 2026 20:47 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Bank of America
Document: Bank of America Fee Schedule
Record ID: CA-P-003323
Captured: 2026-03-06 20:47:54 UTC
SHA-256: e5f90db86e46d246…
URL: https://conductatlas.com/platform/bank-of-america/bank-of-america-fee-schedule/out-of-network-atm-fee/
Accessed: June 19, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Built from archived source documents, structured governance mappings, and historical version tracking.

Frequently Asked Questions

What does Bank of America's Out-of-Network ATM Fee clause do?

This provision establishes the fee structure governing ATM access outside the Bank of America network, creating a cost mechanism that applies based on ATM selection and transaction location rather than account status.

How does this clause affect you?

Account holders using non-Bank of America ATMs are subject to per-transaction fees assessed by the bank, separate from any fees charged by the ATM operator. International ATM transactions incur additional foreign transaction fees beyond the base non-network ATM fee.

Is ConductAtlas affiliated with Bank of America?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Bank of America.