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2024 Business Owner Report

This year’s survey explores the perspectives, aspirations and outlooks of small and mid-sized business owners across the U.S.

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Joey Richards leads a team of banking specialist who work to understand a client’s business and proactively provide strategic advice and financial solutions.

Joey has been in the banking industry since 2004. Prior to joining the Business Banking group, Mr. Richards spent time with Bank of America Home Loans and as a Portfolio Management Officer in Dealer Financial Services.

He has a bachelor’s degree in Business Administration and M.B.A from Texas Tech University.

Joey current resides in Dallas with his wife Tara and children Grace and Tripp. He is actively involved with the Lymphoma Research Foundation, Leukemia Lymphoma Society, Make-A-Wish Foundation, Down Syndrome Guild of Dallas and the Texas Tech Alumni Association. Joey’s hobbies include spending time with family, golfing, and watching college football.


    • General industries
    • Government Contractors
    • Manufacturing

Meet the Team

With access to the global resources of Bank of America, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Elerie Tepedino

Senior Vice President

Treasury Solutions Officer

Natalie Berry

Sales Support Associate

Chelsea Herrick

Treasury Solutions Analyst

Bank of America Business Banking

As you work to take your business to the next level in an environment where business and technology sophistication are critical to having a competitive edge, you need a local banking partner who has your long-term interests at heart.

Bank of America is that local advocate. We work closely with you to understand your business goals. We then draw on our Bank wide resources, technology and experience to generate ideas and solutions that will propel your business further.

With Bank of America Business Banking by your side, you can be assured your business has the power to grow and thrive.

You can benefit from:

Local Relationship Managers who are your advocates and bring the Bank’s resources to you as a seamlessly integrated, dedicated team

Comprehensive commercial banking platform with full range of products and technology, backed by Bank of America’s strength and stability

Access to bank-wide services beyond business banking, to manage both your business and personal wealth

Let's have a conversation.

There is no substitute for a one-on-one relationship with a Bank of America relationship manager who is committed to your needs. Request an appointment today.