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ATM Fee Settlement: Who Can Claim and How (Deadline Feb. 10)

By CalculateBenefits Editorial Team · Mark Phaneuf, Publisher
AI-assisted source check: October 20, 2026. What these dates mean.

If you paid a fee to get cash at an ATM that no bank owned, you may be able to claim part of a $167.5 million Visa and Mastercard settlement. It covers fees from October 24, 2007, to August 14, 2026. You do not need receipts to file, and the deadline is February 10, 2027.

The court has not given final approval yet. The official site says "nobody can know in advance how much the payment will be."

What is the ATM fee settlement about?

The case is called Burke v. Visa Inc. It is in federal court in Washington, D.C.

The suit says Visa and Mastercard rules kept owners of non-bank ATMs from charging a lower fee when a cheaper network could be used. So, it says, people paid too much. Visa and Mastercard deny they did anything wrong.

On August 14, 2026, a judge gave the deal early approval.

Who can file a claim?

You may be part of this settlement if all of these are true:

• You took cash out of an ATM in the United States or its territories.
• The ATM was not owned by a bank or other financial group, or by Visa or Mastercard.
• You used an ATM card or a debit card with a PIN. The cash came out of your own bank account.
• The ATM charged you a fee between October 24, 2007, and August 14, 2026.
• Your bank did not pay you back the full fee.

Cash from a credit card, a cash advance, a prepaid card, or a gift card does not count.

A few people cannot claim, such as Visa and Mastercard staff. People who were in California, Illinois, Massachusetts, or Michigan when they paid the fee may also be in extra state groups.

How do I know if I paid this kind of ATM fee?

When you use an ATM that is not your own bank's, you may pay two fees. The CFPB is the U.S. agency that looks out for people who use banks. It says both your bank and the ATM's owner can charge you.

This deal is only about the fee the ATM's owner charged. It is called a surcharge or an access fee. The CFPB says the owner must post that fee at the ATM itself.

The fee your own bank charged for using an ATM outside its network is a different fee. It is not part of this claim.

The ATM also had to be one that no bank owned. Fees at ATMs run by banks were part of a different case, called Mackmin v. Visa. This claim does not cover them.

The official FAQ says this kind of ATM is one "not owned by Visa, Mastercard, or any bank or other financial institution." When you sign the claim form, you swear your answers are true to the best of your knowledge.

Do I need receipts?

No, not to file. The claim form says you do not need to send any proof at this time.

But the claims team may ask for bank statements or other proof later. If you have old statements, keep them.

You sign the form under penalty of perjury. That means you swear your answers are true. Do not file unless you believe you paid this fee.

What does the claim form ask?

After your name, address, phone, and email, it asks up to three questions:

1. Were you charged a fee you were not paid back for, to get cash at a non-bank ATM in the U.S. between October 24, 2007, and August 14, 2026? Yes or no.
2. If yes: Did you use an ATM card or PIN-debit card, not a credit or gift card, for any of them? Yes or no.
3. If yes: About how many times did you pay this fee in that time? You type in a number.

The form asks you to estimate. Take a minute and give an honest number. Payments are based on the number of fees that people claim and that get approved.

The form asks for an email and a mobile phone number that work. If either one changes, you must give the claims team the new one. Otherwise, you may not get paid.

How much will I get?

Nobody can know in advance. The official site says each valid claim may get a "pro rata (or proportional) share" of the money that is left. It also says "nobody can know in advance how much the payment will be."

Here is what is known:

• Total: If the court approves the deal, Visa and Mastercard will pay $167,500,000 in all. Visa pays $88,775,000. Mastercard pays $78,725,000.
• Costs come first: These include lawyers' fees and costs, up to $3 million to send notices and run claims, taxes, and awards to the people who brought the case.
• Lawyers' fees: The lawyers will ask the court for up to 30% of the fund, plus their costs.
• The rest: What is left is split among valid claims, based on how many approved fees are claimed.

What is the deadline?

File by February 10, 2027. You can file online or by mail.

If you mail a paper form, the claim form says it must be postmarked no later than February 10, 2027. To be safe, mail it well before that date.

Two other dates matter only if you want to leave the deal or object to it. To opt out, your letter must be received by December 11, 2026. If you opt out, you cannot get a payment. To object, your letter must be postmarked by December 11, 2026. The official site explains how.

How do I file?

1. Type the address yourself: NonBankATMSurchargeSettlement.com.
2. Click "File Your Claim" and fill in the form.
3. Or call 1-866-893-1052 to get a form.
4. Or mail a paper form to: Non-Bank ATM Surcharge Fee Settlement, c/o A.B. Data, Ltd., P.O. Box 173053, Milwaukee, WI 53217.

A Spanish form is on the site, too. When you file online, save your reference number.

When will payments go out?

Not until the court approves the deal. A final hearing is set for February 17, 2027, at 4 p.m. ET. At the hearing, the judge will look at whether the deal is fair. The court will decide after that. The date can move without notice.

If the deal is approved and no one appeals, the claims team expects to send payments within six months. An appeal could take longer.

Payments will be sent by email. You can pick a digital way to get paid, such as PayPal or a virtual debit card. You can also ask for a paper check.

Is this real or a scam?

The settlement case is real, but the deal is not final yet. A federal judge approved the notice. The judge named A.B. Data, Ltd. to run the claims.

To stay safe:

• Use only the official site, the official helpline at 1-866-893-1052, or the official mailing address.
• The claim form asks for your contact details and up to three questions. It does not ask for a bank account or card number.
• The official FAQ says you will not be charged for the lawyers the court named for this case.
• The court cannot answer questions. Call the claims team instead.

CalculateBenefits is an independent site. We are not the court, a law firm, or the claims team. We cannot file for you or check your claim. This is not legal advice.

You can report a scam at ReportFraud.ftc.gov. Our guide on how to tell a real program from a scam has more tips.

Are there other settlements I can claim?

Maybe. See our list of settlements you can claim now and our generic drug settlement guide. You can also search for unclaimed money for free, or check our Amazon Prime refund guide.

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