Who charges ATM fees?

Sometimes these fees are charged by both your bank and by the company that operates the ATM you use. The ATM operator's fee: When using an ATM that isn't part of your bank's network of machines, the machine usually notifies you about a fee charged by the bank or company that operates the ATM.

What are ATM fees if I use an out-of-network ATM?

You may incur ATM fees if you use a machine outside of the network, including: Fees from the bank: The bank itself may charge you up to a few dollars for using an out-of-network ATM. Fees from the ATM provider: If you use an out-of-network ATM, the company servicing that machine will probably charge you an additional fee.

What is an ATM operator fee?

ATM operator fee. Also known as the surcharge, an operator fee is charged by the ATM owner to noncustomers using its ATMs. ATM owners could be a different bank, a business unrelated to banking or even an individual investor looking to earn passive income. Your bank’s out-of-network fee.