The short answer
This is a legitimate charge from Out of Network ATM Fee.
What is an Out of Network ATM fee?
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.
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.
To avoid future charges, use your bank mobile application locator to find fee-free ATMs before withdrawing cash, or request cash back at grocery store registers during standard debit card purchases. If you believe your bank assessed this fee incorrectly, contact customer support to review your account terms, as select premium checking accounts offer monthly ATM fee refunds. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Avoiding the Fee
You can avoid this fee by using only ATMs explicitly listed in your bank's app as 'in-network'.
Alternatively, many grocery stores and pharmacies offer free 'cash back' at the register when you make a debit card purchase.
- Step 1 Use your bank's mobile app locator to find fee-free ATMs near you before withdrawing cash.
- Step 2 Check if your checking account type offers ATM fee reimbursements; some premium accounts will refund these charges at the end of the month.
Is there a limit to how many times I can use another bank's ATM?
In some countries (like India), banks allow a specific number of free out-of-network transactions per month before charging.
Dispute Rights & Fraud Prevention
If an ATM error occurs, such as cash failing to dispense while your account is still debited, file a formal dispute with your bank within 60 days. Banks investigate terminal transaction logs to verify mechanical failures and issue provisional credits.
Frequently asked questions
Is the OUT OF NETWORK ATM FEE charge legitimate?
If you authorized a payment to Out of Network ATM Fee, then yes. This is the statement descriptor used by Out of Network ATM Fee. Out of Network ATM Fee
Independent reference — not affiliated with Out of Network ATM Fee. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov
Reviewed Aug 5, 2026 · low · About UnknownCharges