Visa & Mastercard $167.5M Non-Bank ATM Surcharge Settlement

Who Is Eligible?

You may be eligible to file a claim if you:

• You were charged a surcharge (or access fee) to withdraw cash from your deposit account at an independent ATM — a machine owned by neither a bank or other financial institution nor by Visa or Mastercard. Think convenience stores, bars, petrol stations and hotel lobbies.
• The ATM was in the United States or its territories, and the withdrawal happened between 24 October 2007 and 14 August 2026.
• You used an ATM card or pin-debit card. Credit card transactions, gift cards, cash advances and prepaid cards do not count.
• Your bank did not fully reimburse you for the surcharge. If your account refunds ATM fees in full, those withdrawals are out.
• The Nationwide Class has no state restriction. Separately, there are Statewide Classes for California, Illinois, Massachusetts and Michigan — you may be in one of those as well.
• No receipts, no bank statements and no notice ID are needed to file. A notice ID goes on the form only if you happened to receive one by email.

How Much Can You Get?

No per-person figure has been published, and with a class this size that is not evasion. It genuinely cannot be known until the claims are counted.

Here is arithmetic you can check rather than a number to trust. The $167.5 million pays attorneys’ fees and costs first, then notice and administration, then taxes, then service awards to the class representatives. Assume roughly two thirds survives that and about $110 million is left to share.

Now divide. A million claimants works out near $110 each. Five million lands around $22. Ten million is closer to $11. Your own share is also weighted by how many withdrawals you claim, so someone who used corner-shop machines weekly for a decade sits well above someone who did it twice on holiday.

Which of those scenarios happens is anyone’s guess, and that is the honest answer. This is one of the broadest classes running — nineteen years, every state, no receipts — and broad classes are exactly where per-person shares get thin. Anyone quoting you a confident figure for this one has invented it.

What the size does buy you is a very cheap decision. The form takes a few minutes, needs no documents, and costs nothing.

How the money actually arrives: digitally. The administrator emails and texts you at payment time with options such as PayPal or a virtual debit card, and a paper cheque is available if you ask for one then. This is why the form makes a valid email address and mobile number mandatory — if either goes stale it is on you to update them, or the payment cannot be delivered.

How to File Your Claim

File with the administrator:

• Estimate your number. The form asks how many times you paid an unreimbursed surcharge at an independent ATM across the whole period, as a whole number. It is signed under penalty of perjury and the administrator may ask for bank statements, so put down a figure you could defend.
• Think about the whole nineteen years, not just now. Old accounts, student years, cash-only bars and holiday weekends all count if the machine was independent and your bank did not refund the fee.
• Have a working email address and mobile number ready. Both are required fields, and the payment is delivered through them.
• File online at NonbankATMSurchargeSettlement.com, by phone on 1-866-893-1052, or by post to Non-Bank ATM Surcharge Fee Settlement, c/o A.B. Data, Ltd., P.O. Box 173053, Milwaukee, WI 53217.
• Enter a notice ID only if you received one by email. It is optional and you can file perfectly well without it.
• Submit online or post it so that it is postmarked by 10 February 2027.
• Or let Class Action Buddy fill the form in from your saved profile, print it and post it for you.

Frequently Asked Questions