Service Charges Lending Related Fees — Card income and service charges
Products & Services · Card income and service chargesBank of America Service Charges Lending Related Fees — Card income and service charges remained flat by 0.0% to $365.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 8.0%, from $338.00M to $365.00M. Over 4 years (FY 2021 to FY 2025), Service Charges Lending Related Fees — Card income and service charges shows an upward trend with a 3.5% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase suggests higher consumer spending volume, improved card penetration, or more effective fee collection strategies, while a decrease may indicate lower transaction activity or competitive pressure on pricing.
Detailed definition
This metric represents the recurring revenue generated from credit and debit card operations, including interchange fees...
Peer comparison
Comparable to 'Interchange and card-related fees' or 'Card service charges' reported by other large retail banking institutions and credit card issuers.
bac_segment_lending_related_fees_card_income_and_service_chargesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $317.00M | $309.00M | $310.00M | $303.00M | $300.00M | $304.00M | $308.00M | $313.00M | $319.00M | $340.00M | $330.00M | $320.00M | $335.00M | $354.00M | $338.00M | $333.00M | $350.00M | $365.00M | $365.00M |
| QoQ Change | — | -2.5% | +0.3% | -2.3% | -1.0% | +1.3% | +1.3% | +1.6% | +1.9% | +6.6% | -2.9% | -3.0% | +4.7% | +5.7% | -4.5% | -1.5% | +5.1% | +4.3% | +0.0% |
| YoY Change | — | — | — | — | -5.4% | -1.6% | -0.6% | +3.3% | +6.3% | +11.8% | +7.1% | +2.2% | +5.0% | +4.1% | +2.4% | +4.1% | +4.5% | +3.1% | +8.0% |
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Frequently Asked Questions
- What is Bank of America's service charges lending related fees — card income and service charges?
- Bank of America (BAC) reported service charges lending related fees — card income and service charges of $365.00M in Q4 2025.
- How has Bank of America's service charges lending related fees — card income and service charges changed year-over-year?
- Bank of America's service charges lending related fees — card income and service charges increased by 8.0% year-over-year, from $338.00M to $365.00M.
- What is the long-term trend for Bank of America's service charges lending related fees — card income and service charges?
- Over 4 years (2021 to 2025), Bank of America's service charges lending related fees — card income and service charges has grown at a 3.5% compound annual growth rate (CAGR), from $1.23B to $1.41B.
- What does service charges lending related fees — card income and service charges mean?
- Revenue earned from fees and service charges associated with credit and debit card accounts.