Service Charges — Card income and service charges
Products & Services · Card income and service chargesBank of America Service Charges — Card income and service charges increased by 1.0% to $1.65B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 6.1%, from $1.55B to $1.65B. Over 4 years (FY 2021 to FY 2025), Service Charges — Card income and service charges shows a downward trend with a -3.7% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase suggests higher transaction volumes, improved card usage, or effective fee structures, while a decrease may indicate lower consumer spending or competitive pressure on fee pricing.
Detailed definition
This metric represents the revenue generated from fees associated with credit and debit card services, including interch...
Peer comparison
Comparable to non-interest income or fee-based revenue lines in other large retail banks, often categorized under card services or payment processing revenue.
bac_segment_service_charges_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 | $1.87B | $1.93B | $1.91B | $1.83B | $1.72B | $1.47B | $1.39B | $1.41B | $1.36B | $1.46B | $1.45B | $1.44B | $1.51B | $1.55B | $1.55B | $1.56B | $1.62B | $1.63B | $1.65B |
| QoQ Change | — | +2.9% | -0.9% | -4.0% | -6.3% | -14.6% | -5.3% | +1.5% | -3.3% | +7.3% | -1.2% | -0.3% | +4.5% | +3.0% | +0.1% | +0.5% | +3.5% | +1.1% | +1.0% |
| YoY Change | — | — | — | — | -8.4% | -24.0% | -27.3% | -23.1% | -20.6% | -0.1% | +4.1% | +2.3% | +10.5% | +6.0% | +7.5% | +8.3% | +7.2% | +5.2% | +6.1% |
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Frequently Asked Questions
- What is Bank of America's service charges — card income and service charges?
- Bank of America (BAC) reported service charges — card income and service charges of $1.65B in Q4 2025.
- How has Bank of America's service charges — card income and service charges changed year-over-year?
- Bank of America's service charges — card income and service charges increased by 6.1% year-over-year, from $1.55B to $1.65B.
- What is the long-term trend for Bank of America's service charges — card income and service charges?
- Over 4 years (2021 to 2025), Bank of America's service charges — card income and service charges has grown at a -3.7% compound annual growth rate (CAGR), from $7.50B to $6.46B.
- What does service charges — card income and service charges mean?
- Revenue earned from fees and service charges related to credit and debit card accounts.