Visa and Mastercard $167.5M ATM settlement: Who qualifies, how to claim and key deadlines

Millions of consumers in the United States may be eligible to receive payments from a settlement agreement that is being sought worth $167.5 million involving Visa and Mastercard ATM surcharges that occurred over a period from 2007 through to 2026. The settlement comes out of a lawsuit claiming that regulations in the networks stopped independent ATM operators from offering lower fees on competing networks. Visa and Mastercard have denied any wrongdoing.

Who can claim the Visa Mastercard ATM settlement?

The national settlement will include consumers across the US who paid a fee for withdrawing cash from their deposit accounts via an ATM or PIN debit card at a standalone ATM from October 24, 2007, through August 14, 2026, provided that they have not been reimbursed for the fee in full by their banks. Standalone ATMs are those which are not owned by Visa, MasterCard, any bank or other financial institution.


The official settlement notice also identifies: “You may also be included as part of the Statewide Classes for California, Illinois, Massachusetts, and Michigan,” reported The Sun. Credit-card transactions, cash advances and prepaid-card transactions are excluded.

How much could you receive?

The Visa contribution will be around $88.8 million, while that of Mastercard is $78.7 million; hence, the settlement fund will be worth approximately $167.5 million. At present, there is no specific payment amount for individual claims since it will depend on the total claims received minus other allowable deductions such as attorneys' fees, administration costs and other permitted payments.

How to file and key deadlines

Eligible consumers must submit a valid claim by February 10, 2027. The official claim form currently does not require supporting documents, but the claims administrator may later request bank statements, receipts or other proof. Claimants must certify their information “under penalty of perjury.”

As per CNBC, to file a claim, complete the form on the settlement website or print, complete and mail a copy to:

Non-Bank ATM Surcharge Fee Settlement
c/o A.B. Data, Ltd.
P.O. Box 173053
Milwaukee, WI 53217

The deadline to exclude yourself from the settlement or object is December 11, 2026. A federal court fairness hearing is scheduled for February 17, 2027, at 4 p.m. ET. No settlement payment will be made unless the court approves the agreement and any appeals are resolved.