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Bank Of America Ends Some Credit Card Cash Advance Fees. If you are tired of bank fees, here is a rare piece of good news. Major banks have been busy throughout 2010 implementing several new policies regarding credit cards and overdraft protection. What is a cash advance fee? | Credit Karma A credit card cash advance fee is what the credit card company charges you to make a cash advance. Most companies charge a flat fee or percentage of the transaction – whichever is greater. You can make the transaction at a bank or ATM, or by cashing checks provided by your credit card company at your local bank.