Did You Pay ATM Fees?
Think back: Have you used a non-bank ATM between 10/24/2007 and 8/14/2026 and paid an ATM fee that your bank didn't completely refund?
If YES → You may want to file a claim.
What Was the Lawsuit About?
The lawsuit alleged that VISA and Mastercard's network rules prevented independent ATM operators from offering different/lower access fees depending on which payment network processed a transaction.
Plaintiffs argued this resulted in consumers paying higher ATM surcharges than they otherwise might have.
VISA and Mastercard deny wrongdoing, but agreed to the $167.5 million settlement to resolve the litigation.
Who May Qualify?
You may be eligible if all of these apply:
- You used an independent/non-bank ATM in the United States or its territories.
- You withdrew cash using a VISA ATM/debit card or PIN-debit card connected to a deposit account.
- You were charged an ATM surcharge/access fee.
- The transaction occurred between October 24, 2007 and August 14, 2026.
- Your bank did not fully reimburse you for that ATM surcharge.
Independent ATMs: ATMs found at convenience stores, gas stations, hotels, bars and other locations that aren't owned by a bank.
What Does NOT
Qualify?
The settlement generally does not cover:
- Credit-card cash advances
- Prepaid-card transactions
- ATM transactions where your bank fully reimbursed the surcharge
- ATMs owned by a bank or financial institution
How Much Could You
Get?
There is no fixed payment amount yet.
The advertised $167.5 million includes attorneys' fees, expenses, administration and other approved costs from the fund before distributions.
Is Proof Required?
No documentation is required to submit the claim initially, however, claimants may be asked for additional information if necessary.
How to File - Use the
official settlement website:
Non-Bank ATM Surcharge
Settlement - https://www.nonbankatmsurchargesettlement.com/
Official Online Claim Form:
https://www.nonbankatmsurchargesettlement.com/file
Paper claims are also available through the settlement administrator.
Claim Deadline: February 10, 2027
No purchase or payment is required to file a claim.
Important: The final payment depends on the number of valid claims and the amount remaining in the settlement fund.
A final approval hearing is currently scheduled for February 17, 2027 -