How does the ATM Surcharge Rebate program work?

Any customer with an Interest Checking, Money Market Savings, and/or Regular Savings account is automatically enrolled for our ATM Surcharge Rebate program. On the last day of the month, the number of ATM surcharges you incurred over the month will be totaled and you will receive a rebate of up to $10. Please note: Rebates are applied at the end of the month and not as transactions occur. The surcharge rebate is calculated on a per-customer basis, rather than a per-account basis.

When you make an ATM withdrawal, the ATM network sends a transmission of the total amount of your transaction. The ATM network does not identify how much of the total dollar amount is the cash withdrawal and how much is the surcharge. Therefore, our systems run a program at the end of the month to calculate the surcharge.

First, we identify all ATM transactions. Then, we divide the amount of the transaction by 5, as most ATMs will dispense cash in multiples of $5 (usually $10 or even $20). If the remainder matches any of the amounts below, then we consider the remainder to be a surcharge.

  • $0.50
  • $0.75
  • $0.99
  • $1.00
  • $1.25
  • $1.50
  • $1.75
  • $2.00
  • $2.50
  • $3.00
  • $3.50
  • $4.00
  • $4.50


The system totals the surcharges incurred during the month. If the amount is less than $10, we credit your account with the total of the surcharges. If the amount is equal to or greater than $10, we credit your account with $10. If you feel that we did not credit your account for the correct amount of ATM surcharges incurred, please contact us at or 1-888-873-3424.