Table of Contents

• Summary
• Introduction
• ATMs Save Banks Money
• 2002 Survey Findings
• The ATM Surcharge + The Foreign ATM Withdrawl Fee = Charging Consumers Twice
• ATM Surcharges Create Two Flows Of Revenue For ATM Owners
• The ATM Surcharge Can Be Anti-Competitive
  
• ATM Surcharges And ATMs Owned By Independent Service Operators (ISOs)
• Other ATM Fees
• Debit Card Fees
• Banks Post Record-Breaking Profits In 2001
• Recommendations
• Methodology
• Survey Form in .pdf format
• ATM Survey Results in .pdf format

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