Bank of America ACH & Wire FeesBusiness Accounts
Disclaimer: Fee amounts are representative ranges for Bank of America business accounts and treasury products. Your actual fees may vary depending on your relationship tier and account package.
ACH Fees
| Fee Type | Amount | Notes |
|---|---|---|
| ACH credit per item | $0.10–$0.20 | — |
| ACH debit per item | $0.15–$0.30 | — |
| Same-day ACH | $0.75–$1.25 | — |
| ACH returns | $2.50–$5.00 | — |
Wire Transfer Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Outgoing domestic wire | $30–$35 | — |
| Incoming domestic wire | $0–$15 | — |
| Outgoing international wire | $35–$45 | — |
| Incoming international wire | $16 | — |
Model These Fees With Calculators
Load Bank of America's estimated ACH and wire pricing directly into the calculators to see how costs change with your volume.
Frequently Asked Questions About Bank of America Fees
Does Bank of America charge for incoming ACH transfers?
Most Bank of America business accounts charge a small fee for incoming ACH credits and debits. The ACH debit per item fee is typically $0.15–$0.30. However, some premium account tiers may include incoming ACH at no additional charge.
Are ACH fees negotiable at Bank of America?
Yes, ACH fees at Bank of America are often negotiable, especially for businesses with high transaction volumes, significant deposit balances, or those using multiple treasury services. It's worth discussing pricing with your relationship manager.
How do wire fees compare to ACH at Bank of America?
Wire transfers at Bank of America are significantly more expensive than ACH. A domestic outgoing wire typically costs $30–$35, while an outgoing ACH credit might cost $0.10–$0.20. For routine payments where speed isn't critical, ACH is usually the more cost-effective choice.
Does Bank of America support same-day ACH?
Yes, Bank of America supports same-day ACH for business accounts. There's typically an additional fee of $0.75–$1.25 per transaction on top of the standard ACH fee for expedited processing.
What are the wire transfer limits at Bank of America?
Wire transfer limits at Bank of America vary by account type and are often customizable based on your business needs. Standard business accounts may have daily limits, while treasury accounts typically offer higher or unlimited wire capabilities. Contact Bank of America directly to discuss limits for your specific situation.