If you have ever paid a fee to withdraw cash from an independent ATM at a convenience store, gas station, bar, or another location, you may want to check out the Non-Bank ATM Surcharge Settlement. A proposed settlement involving Visa and Mastercard could provide payments to eligible consumers who paid certain ATM surcharges over the years. Here is what to know before submitting a claim.
What is the Non-Bank ATM Surcharge Settlement?
The settlement resolves litigation concerning ATM network rules and fees charged to consumers who used independent, non-bank ATMs. The lawsuit alleged that certain rules contributed to higher ATM surcharges. Visa and Mastercard have denied wrongdoing, and the settlement does not mean that a court found them liable.
The settlement fund is intended to compensate eligible class members, subject to the settlement terms, approved expenses, and the number of valid claims. The amount any individual may receive has not been guaranteed, so it is best to treat this as a potential payment rather than a specific dollar offer.
Who may be eligible?
You may qualify if you used an eligible ATM in the United States and paid an applicable surcharge during the covered period. The settlement covers qualifying transactions from October 24, 2007, through August 14, 2026, subject to the official eligibility requirements.
- You paid an ATM surcharge when withdrawing cash from an eligible independent ATM.
- The transaction involved an eligible deposit account and ATM or PIN-debit card.
- You were not fully reimbursed for the surcharge by your financial institution.
- Your transaction meets the other requirements listed in the official settlement documents.
Not every ATM fee or cash withdrawal qualifies. Certain credit card cash advances and prepaid card transactions are excluded. Read the official rules carefully before submitting your claim.
How to submit a claim
If you believe you qualify, visit the official settlement website to review the eligibility rules and complete the claim form. Follow the instructions provided by the settlement administrator and keep a copy of your confirmation for your records.
- Review the official settlement information.
- Check the covered dates and transaction requirements.
- Complete the claim form accurately.
- Save your submission confirmation and any related records.
You should not assume that every eligible person will receive the same payment. Final amounts may depend on the settlement terms, administrative costs, and the number of approved claims. Check the official website for current deadlines, payment information, and any documentation requirements.
File or learn more here:
Visit the official Non-Bank ATM Surcharge Settlement claim form
Read the official settlement details and eligibility requirements
Daybreaks Deals tip: It can be easy to forget ATM fees paid years ago, especially when traveling or making a quick stop at a convenience store. If you regularly used independent ATMs, taking a few minutes to review this settlement may be worthwhile. Always use the official settlement website, provide accurate information, and avoid anyone who promises a guaranteed payout.
Disclosure: Daybreaks Deals shares settlement and consumer savings information for informational purposes only. This post is not legal advice and does not guarantee eligibility or payment. Review the official settlement documents for the complete terms. Daybreaks Deals is not affiliated with the settlement administrator, Visa, or Mastercard.
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