Why did I get two ATM FEE* charges for one withdrawal?

It is common to see two separate ATM FEE* charges: one from the ATM operator and one from your own bank for using an out-of-network machine. Both are standard ATM FEE assessments.

Why does the charge look different from a typical ATM FEE label?

The asterisk in ATM FEE* is often added by the bank's processing system to flag it as a surcharge or fee transaction, distinguishing it from the principal withdrawal amount on your statement.

Can I get a refund on an ATM FEE* charge?

Yes, many banks will refund an ATM FEE* charge once per month as a goodwill gesture. Contact your bank directly and reference the specific ATM FEE* transaction date and amount.

How do I avoid ATM FEE* charges in the future?

To avoid ATM FEE* charges, always withdraw cash from ATMs within your bank's network, use cashback at retail stores, or switch to an account that reimburses ATM FEE costs.

How do I stop recurring ATM FEE* charges if my card was compromised?

Immediately call your bank to freeze your account, dispute any unauthorized ATM FEE* transactions, and request a new card number so no further ATM FEE charges can be made on the old card.

Home›Browse Charges›Banking›ATM FEE*

ATM FEE* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "ATM FEE*" charge is from ATM Fee. ATM cash withdrawal fee.

🌍 US🕐 8 min read📅 Updated May 22, 2026

ATM Fee

ATM cash withdrawal fee.

ATM FEE*

Understanding this descriptor

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.

🛡️

Got a suspicious message or link?

Free

Detect scams in seconds — texts, emails, websites & more, instant results.

🛡️ Check for Scam →

✅

Recommended actions

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.

ℹ️ Note

In most cases, seeing "ATM FEE*" on your statement is completely normal. Before assuming fraud, check your recent purchases — most mystery charges have a simple explanation.

Is the ATM FEE* Charge Legitimate or Fraud?

If you've spotted ATM FEE* on your bank or credit card statement, this charge is typically a legitimate fee assessed when you withdraw cash from an ATM that is outside your bank's network. The ATM FEE descriptor appears when either the ATM operator, your own bank, or both parties charge you for using a non-affiliated machine. However, unexpected or repeated ATM FEE* charges can sometimes indicate unauthorized card use or skimming fraud.

Out-of-network ATM withdrawals commonly trigger an ATM FEE* charge from the machine operator
Your own bank may add a second ATM FEE* surcharge on top of the operator's fee
Foreign ATM transactions often produce a higher ATM FEE* due to currency conversion costs
Fraudulent card skimming can cause unauthorized ATM FEE* charges you did not initiate

How to Verify the ATM FEE* Charge

1
Match the charge to a withdrawal
Review your recent ATM transactions and check if the ATM FEE* amount matches a known out-of-network withdrawal you made. Most ATM FEE charges post within 1–2 business days of the transaction.
2
Check your ATM receipt
Locate the paper receipt from your ATM visit, which should itemize the ATM FEE* surcharge assessed by the machine operator at the time of the transaction.
3
Review your bank's fee schedule
Log into your bank's online portal and compare the ATM FEE* amount against your account's published out-of-network ATM fee policy to confirm it matches.
4
Check with household members
Ask family members or authorized cardholders if they made an ATM withdrawal that would have generated the ATM FEE* charge on the shared account.
5
Contact your bank directly
If you cannot reconcile the ATM FEE* charge with any known withdrawal, call the number on the back of your card and ask your bank to provide the ATM location and transaction details.

How to Dispute an ATM FEE* Charge

1
Act within 60 days
Report an unauthorized or incorrect ATM FEE* charge to your bank as soon as possible, ideally within 60 days of your statement date, to stay within federal dispute protection windows.
2
Contact ATM FEE's issuing bank first
Call your bank's customer service line and explain that the ATM FEE* charge is either erroneous or unauthorized. Many banks will waive an ATM FEE* as a one-time courtesy for long-standing customers.
3
File a formal chargeback
If your bank refuses to remove the ATM FEE* charge and you believe it is fraudulent, submit a written chargeback dispute and provide supporting documentation such as your ATM receipt.
4
Request a new card
If you suspect the ATM FEE* resulted from card skimming or unauthorized access, ask your bank to cancel the compromised card and issue a replacement to prevent further fraudulent ATM FEE charges.