Non-Bank ATM Surcharge Settlement
Paid an ATM Fee at a Gas Station or Bar? Visa & Mastercard Are Paying $167.5 Million
If you paid a surcharge at an independent ATM between 2007 and 2026 and your bank didn't refund it, you may be owed cash.
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Non-Bank ATM Surcharge Settlement
Visa and Mastercard have agreed to a $167.5 million settlement ($88.8 million from Visa and $78.7 million from Mastercard) to resolve a class action claiming their network rules inflated the fees consumers paid at independent, non-bank ATMs.
The lawsuit says Visa and Mastercard barred independent ATM operators from offering a lower fee when a withdrawal could run over a cheaper competing network. With discounts off the table, people paid more at the ATMs found in convenience stores, gas stations, bars, airports, and casinos. Visa and Mastercard deny any wrongdoing.
If you paid a surcharge at one of these machines between October 24, 2007 and August 14, 2026, and your bank didn't fully reimburse you, you may be entitled to a cash payment. Payments are a proportional share of the fund based on how many qualifying transactions you claim. No receipts or bank statements are required to submit.
You may be eligible if all of the following apply:
You withdrew cash from your checking or savings account using an ATM or debit card
The ATM was an independent (non-bank) machine in the U.S. or its territories, such as one in a convenience store, gas station, bar, airport, or casino
The ATM operator charged you a surcharge (access fee)
The withdrawal happened between October 24, 2007 and August 14, 2026
Your bank did not fully reimburse the surcharge
Not covered: credit card cash advances, prepaid card transactions, and ATMs owned by a bank or credit union. No proof of purchase is required to register.
$167.5M
February 10, 2027
Not Required