The short answer
The registry records Out of Network ATM Fee as a possible interpretation of OUT OF NETWORK ATM FEE. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of OUT OF NETWORK ATM mean?
- ATM
- ATM Transaction: a payment-type code from the bank or payment network, not part of the company's name. Glossary entry →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
What is an Out of Network ATM fee?
Unreviewed registry note: Seeing an OUT OF NETWORK ATM FEE on your bank or credit union statement indicates that your financial institution charged you a transaction fee for withdrawing cash from an automated teller machine operated outside your bank network. This specific fee appears whenever you use a third-party ATM that maintains no partnership agreement or fee-sharing arrangement with your checking account provider.
Unreviewed registry note: Beyond your own bank fee, the independent ATM owner often assesses a separate surcharge directly at the machine terminal. Many cardholders encounter both charges simultaneously during cash withdrawals at convenience stores, gas stations, event venues, or foreign locations where affiliated in-network cash machines are unavailable.
Avoiding the Fee
Unreviewed registry note: You can avoid this fee by using only ATMs explicitly listed in your bank's app as 'in-network'.
Unreviewed registry note: Alternatively, many grocery stores and pharmacies offer free 'cash back' at the register when you make a debit card purchase.
- Step 1 Unreviewed registry note: Use your bank's mobile app locator to find fee-free ATMs near you before withdrawing cash.
Is there a limit to how many times I can use another bank's ATM?
Unreviewed registry note: In some countries (like India), banks allow a specific number of free out-of-network transactions per month before charging.
Independent reference — not affiliated with Out of Network ATM Fee. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov
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