Certain Financial Institutions Are Charging Customers Unfair or Illegal Fees When Using an ATM Not Owned by the Bank or Credit Union

Some financial institutions have been collecting unfair ATM fees from customers. These institutions—banks and, especially, credit unions—used to earn money by issuing loans to customers and collecting interest on the loans. But, as interest rates went lower and lower, the banks and credit unions turned to fees, such as ATM fees, as a profit center. These fees are issued when banks or credit union customers use their debit card at an out-of-network (OON) ATM’s. Often these fees are not authorized or properly disclosed in the bank or credit union’s Fee Schedule and Electronic Fund Transfers Agreement and Disclosure (EFTAAD).

When are Fees Charged When Using an OON ATM?

When customers use their ATM or Debit Card at an OON ATM, they may be charged for each cash withdrawal, funds transfer, or balance inquiry, even if a transaction is not completed. The fee should be disclosed to the customer on the ATM and the customer should be given an opportunity to cancel the transaction before the fee is forced upon them. But normally, the only fee disclosed at the ATM is the ATM owner bank’s fee. This practice is fundamentally unfair and is not allowed or authorized by many bank account agreements.

How Do I Determine if My Bank or Credit Union is Issuing Illegal or Unfair Fees?

Many banks and credit unions appear to purposely make it difficult for consumers to understand the rules. First, the monthly statements listing all the transactions are often confusing and misleading. Second, the bank or credit union often relies on technical defenses they bury in the middle of lengthy, dense legal documents no person would ever expect to read—except the bank’s lawyers.

The best way to determine if you have been the victim of illegal or unfair ATM Fees is to contact McCune Wright Arevalo, LLP at (800) 391-4233 and have one of their financial services class action specialists review your statements or transaction history to see if you have been the victim of these illegal or unfair ATM fees.

Is There Any Cost or Risk in Contacting McCune Wright Arevalo, LLP?

Absolutely not. The financial services class action specialist will review your transactions and advise you if you have a case. If you do have a potential class action case, and decide to go forward with a lawsuit, it will be on a contingency basis where attorney fees and costs are only paid if the lawyers win, and then the attorney fees and costs are awarded by the Court and paid out of any recovery made in the case.

Why McCune Wright Arevalo, LLP is the Right Firm for Your ATM Fee Class Action Lawsuit

For almost 15 years, Richard McCune and McCune Wright Arevalo, LLP have been the leaders in the Country in class action bank fee litigation against banks and credit unions for unfair and illegal fee practices. They have helped customers of banks and credit unions collect more than $1 billion in settlements and verdicts, including being co-trial counsel in a $203 million verdict against Wells Fargo. They have been counsel in more than 50 class action overdraft cases filed in over 20 states. They have a long track history of success and have a financial services class action team that is dedicated to holding banks and credit unions responsible for unfair and illegal practices.

What is the Best Way to Contact McCune Wright Arevalo?

The best way to contact McCune Wright Arevalo, LLP is to fill out the form and a financial services class action specialist will contact you right back. We will send you a text prior to calling so you’re aware it is us calling. But if you would rather call us instead of filling out the form, please call (800) 391-4233.

What About if I Bank with Another Bank or Credit Union that I Think is Doing the Same Thing?

Please fill out the form and we will look into the bank or credit union and get back to you on whether we can help you.


Counsel Richard McCune is responsible for this solicitation. The information provided on this website is for general information purposes only. The information you obtain is not, nor is it intended to be, legal advice. Use of this website or submission of the online form does not create an attorney-client relationship.

The results discussed do not guarantee, warrant, or predict the results in future cases.