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 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.
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.
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"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 Fee Schedule
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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.
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.
ConductAtlas has identified this type of provision across 231 platforms. See the full comparison.
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