If you have ever withdrawn cash from a non-bank ATM and had to pay an extra charge (surcharge) out of pocket, you might be eligible for cash compensation. Claims can now be officially filed under a $167.5 million antitrust class-action settlement. This settlement resolves allegations that major payment networks kept independent ATM access fees artificially high.
If you used a non-bank ATM between October 24, 2007, and August 14, 2026, this guide describes your eligibility, how payouts work, and how to file your claim form before the February 10, 2027 deadline. Let’s read the complete guide to the claim application form.
Non Bank ATM Surcharge Settlement Details
| Settlement Information | Details |
|---|---|
| Settlement name | Non-Bank ATM Surcharge Settlement |
| Case | Burke v. Visa Inc. |
| Case number | 1:11-cv-01882 |
| Court | U.S. District Court for the District of Columbia |
| Settlement fund | $167.5 million |
| Claim period | October 24, 2007, through August 14, 2026 |
| Claim deadline | February 10, 2027 |
| Exclusion deadline | December 11, 2026 |
| Objection deadline | December 11, 2026 |
| Final approval hearing | February 17, 2027, at 4:00 p.m. ET |
| Claims administrator | A.B. Data, Ltd. |
| Official website | NonBankATMSurchargeSettlement.com |
What is the Non-Bank ATM Surcharge Settlement?
This settlement resolves claims in Burke v. Visa Inc. (Case No. 1:11-cv-01882), currently pending before Judge Richard J. Leon in the U.S. District Court for the District of Columbia.
The lawsuit alleges that Visa and Mastercard violated federal and state antitrust laws by enforcing network rules that prevented independent ATM (IATM) operators such as those running machines in convenience stores, small shops, gas stations, grocery stores, and bars from avoiding access fees, even when transactions could have been routed through competing debit networks. Cardholders allege that this restriction stifled price competition and forced customers to pay higher, non-refundable surcharges.
Although Visa ($88,775,000) and Mastercard ($78,725,000) have denied any wrongdoing, they have agreed to create a fund totaling $167.5 million to settle this legal case.
Important Distinction: This settlement strictly covers independent (non-bank) ATMs. It is separate from the bank-owned ATM settlements (Mackmin v. Visa Inc., which resolved claims involving ATMs owned by banks such as Chase, Wells Fargo, and Bank of America). If you filed a claim in the bank-owned ATM litigation, you may still qualify to file a separate claim here if you also used non-bank ATMs.
Who Qualifies for an ATM Fee Refund?
You are generally part of the Nationwide Settlement Class (or the specific Statewide Classes for California, Illinois, Massachusetts, and Michigan) if you meet all of the following requirements:
- Location: You reside in the United States or its territories.
- Eligible Account & Card: You may have withdrawn cash from your deposit account using a Visa- or Mastercard-branded ATM card or PIN-debit card. (Transactions using credit cards, gift cards, prepaid cards, or cash advances are not eligible.)
- ATM Location: The cash withdrawal took place at an independent, non-bank ATM.
- Class Period: This transaction took place between October 24, 2007, and August 14, 2026.
- Unreimbursed surcharge: You were charged a terminal surcharge or access fee that was not reimbursed by your financial institution.
How Much Money Will You Receive?
Since this is a common-fund antitrust settlement, the amount payable to individual claimants is calculated on a pro-rata basis and cannot be finalized until the processing of all claims is complete:
- Deductions from the Fund: Before funds are distributed to consumers, the court must approve the deduction of certain expenses from the $167.5 million amount. These expenses include court-approved attorney fees (with counsel seeking up to 30%), litigation costs, settlement administration expenses, and service awards (up to $17,500 for each named class representative).
- Pro-Rata Distribution: The remaining “Net Settlement Fund” will be distributed among all eligible Class Members who submit valid claims in a timely manner; this distribution will be based on the number of their estimated qualifying transactions.
- Digital Delivery: Payments will primarily be made electronically (via email or digital payment options) or by paper check upon request.
Customers should not assume that every claimant will receive a specific amount such as $100, $500, or $1,000.
Important Deadlines
To receive compensation, you must complete the ‘Non Bank ATM Surcharge Settlement Claim Form’ by the February 10, 2027 deadline. Missing the deadline means you will lose your payment or legal rights. Keep these dates in mind:
| Action | Deadline | What It Means |
| Exclusion (Opt-Out) | December 11, 2026 | Last day to opt out by mail if you wish to retain your right to sue Visa or Mastercard individually over these claims. |
| Objection | December 11, 2026 | Final day to file a written objection with the court if you disagree with the terms of the settlement or fee requests. |
| Claim Form Deadline | February 10, 2027 | Final date to submit your claim online or have a paper form postmarked. |
| Final Fairness Hearing | February 17, 2027 (4:00 PM ET) | The court evaluates whether to grant final approval to the settlement terms and payout plan. |
How to File Your Claim Form (Step-by-Step)
Filing takes less than 10 minutes, and no initial receipts or bank statements are required to submit your claim:
- Visit the Court-Approved Portal: Go directly to the official settlement website at https://www.nonbankatmsurchargesettlement.com/claim-form
- Go to Claim Form:Â Click on the “Submit a Claim ” option.
- If you received an official notice by mail or email, enter your Notice ID and Confirmation Code to access a pre-populated form.
- If you did not receive a notice, select the option to start a new claim without an ID.
- Enter Your Contact Details: Provide your legal name, current address, active mobile number, and a primary email address. (Note: Because payments are distributed electronically, maintaining an active email address is essential to receiving your money.)
- Enter Your Withdrawal Estimate: Answer the eligibility questions and enter your best good-faith estimate of how many times between October 24, 2007, and August 14, 2026, you paid an unreimbursed fee at an independent ATM using a PIN-debit or ATM card.
- Sign Under Penalty of Perjury: Review your submission, sign electronically, and submit before the February 10, 2027 cutoff. Save your confirmation number for future reference.
Paper Filing Alternative: If you prefer to file by mail, download the claim form from the official website or contact the administrator at 1-866-893-1052. Completed paper forms must be postmarked by February 10, 2027, and mailed to:
Non-Bank ATM Surcharge Fee Settlement
c/o A.B. Data, Ltd.
P.O. Box 173053
Milwaukee, WI 53217
Is the Non-Bank ATM Surcharge Settlement Legit?
Yes, it is legitimate. This settlement is related to the federal antitrust class action Burke v. Visa Inc. (Case No. 1:11-cv-01882).
- Court-Authorized Administration: This official portal is managed by the court-appointed administrator, A.B. Data, Ltd., working under the direction of Class Counsel. It provides access to official court documents, instructions regarding claims, deadlines, and contact information.
- Completely Free to File: You will never be asked to pay an application fee or buy anything to file a claim form.
- Security Red Flags: Submit claims only through the official website (www.nonbankatmsurchargesettlement.com). Note that Original settlement administrators will never request bank account passwords, PINs, or sensitive login credentials.
Frequently Asked Questions
Do I need old receipts from 2007 to file?
No, you do not need to submit bank statements or transaction slips when filing your claim. You simply need to provide a true and accurate estimate of your eligible transactions, under an affirmation that you are not providing false information. However, if an unusually high number of withdrawals is claimed, the claim administrator reserves the right to request supporting records during a standard fraud audit.
When will the settlement money actually be paid?
Payments can only be issued once the Court grants final approval at or after the fairness hearing scheduled for February 17, 2027, and any potential appeals are resolved. Typically, the distribution of payments begins a few months after the final approval order becomes effective.
Who can file the ATM surcharge settlement claim?
Generally, individuals may be eligible if, between October 24, 2007, and August 14, 2026, they paid an unreimbursed surcharge while withdrawing cash using an ATM or PIN-debit card at any independent, non-bank ATM in the United States or its territories.
What is the Non Bank ATM Settlement claim deadline?
The Non-Bank ATM Settlement claim deadline is February 10, 2027.
Final words
The claim form for the non-bank ATM surcharge settlement is now open, and eligible customers can submit claims until February 10, 2027.
This proposed settlement involves a $167.5 million fund and covers unreimbursed surcharges paid at independent ATMs between October 24, 2007, and August 14, 2026.
You do not need to submit receipts with your initial claim, although the administrator may request supporting records later. Before filing a claim, carefully check your eligibility and use the official settlement website rather than any unofficial claim sites.
