ATM FEE* Charge (What It Is + Is It Legit?)
✓ LegitimateThe "ATM FEE*" charge is from ATM Fee. ATM cash withdrawal fee.
ATM Fee
ATM cash withdrawal fee.
Category
Banking
Avg. Charge
$3.50
Country
US
Billing Cycle
One-time
Cancel At
N/A
Support
See website
Why does this charge appear?
When you use an out-of-network ATM, the machine's operator or your own bank typically tacks on a convenience charge that shows up on your statement as ATM FEE* rather than any spelled-out description, because banking transaction systems use abbreviated codes to categorize and display fee entries separately from standard merchant purchases. The asterisk following ATM FEE* is a common formatting convention in core banking software that flags the $3.50 charge as a bank-generated fee rather than a point-of-sale transaction, helping the system route it to the correct fee ledger. Your bank displays it this way to distinguish the ATM Fee from regular debit card purchases, making it easier to identify during account reconciliation or disputes.
What should you do?
Match the ATM FEE* charge to a withdrawal
Look back at your recent activity and identify which ATM cash withdrawal corresponds to the ATM FEE* charge on your statement. Most ATMs display the fee amount on screen before you confirm the transaction, so check if the amount matches what you were shown at the machine.
Check if your bank reimburses ATM fees
Some checking accounts offer ATM fee reimbursements. Log into your bank account and review your account benefits or visit google.com to research whether your specific account type covers or partially refunds the ATM FEE* charge you are seeing.
Find in-network ATMs to avoid future ATM fees
To prevent recurring ATM FEE* charges, locate ATMs within your bank or credit union's network. Use your bank's app or website at google.com to find surcharge-free ATM locations near you, since using out-of-network machines is the most common cause of ATM Fee charges.
Track and budget for ATM Fee charges
If you regularly see ATM FEE* charges on your statement, add this as a line item in your monthly budget. Consider switching to a bank account that waives ATM fees or limiting cash withdrawals to in-network ATMs to reduce how often the ATM Fee appears on your statement.
Is this charge fraudulent?
No, this is a legitimate charge from ATM Fee. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.
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