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

Yes, some banks assess fees for using their own ATMs. Federal law allows banks to charge certain fees, including ATM fees, 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.

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Must banks provide ATMs?

Banks are not required to provide customers with automated teller machines (ATMs). Banks typically provide ATMs as a convenience for customers who need to conduct certain transactions, such as withdrawing cash or checking account balances, when the bank is closed.

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