Can I be charged for using my own bank’s ATM?

Get Legal Help Today

secured lock Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Yes, some banks assess their own ATM fees. Federal law allows banks to charge certain fees, including ATM fees (even for their own ATMs), but they must be disclosed when customers open an account. This disclosure, which is usually provided in your Account Agreement or in a separate document that lists all fees, provides customers with all required information about ATM fees.

While ATM fees are common today, banks did not always charge such fees. When banks first began providing ATMs, customers were leery of using them for their banking transactions, so in order to help customers overcome their skepticism, banks did not charge customers any fees for using ATMs. Over time, as ATMs became more popular, banks began charging a variety of fees, such as a fee for each use of an ATM or fees for exceeding a bank’s monthly limit of ATM transactions. Some banks have reduced the amount of fees they charge their own customers for ATM use, but others continue to do so. If your bank charges ATM fees for using its machines, you can avoid some fees by shopping around to find a bank that does not charge customers for using its ATMs. Also, when using your debit card to make a purchase, you can ask for cash back. This type of transaction usually has no fee, so you can get your cash free of charge.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption