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An ATM Surcharge is the service charge that you have to pay for using a private ATM or the ATM of some other bank. For ex: If you have a Bank of America ATM and opt to use a private ATM machine in a shopping mall or a Chase Bank ATM, then you will charged a surcharge for using an ATM that is not in Bank of America network because - the owner of the ATM would charge Bank of America for its customer taking money from their ATM

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