$167.5M Visa Mastercard ATM Fee Settlement: How to Claim

What happened

Class period: October 24, 2007 through August 14, 2026

• The lawsuit says Visa and Mastercard network rules broke federal and state antitrust laws
• The rules stopped independent ATM (IATM) operators from charging a lower access fee when a cheaper competing network could process the transaction
• Plaintiffs say this is price fixing and that cardholders paid higher ATM fees than they should have
• An independent ATM is one not owned by Visa, Mastercard, or any bank or financial institution
• The case covers people who paid a surcharge at these ATMs and were not fully paid back by their bank
• Visa and Mastercard deny the claims and deny doing anything wrong

What you can get

Key dates

Who may qualify

• You were in the United States when you made the withdrawal
• You used an ATM or PIN-debit card to take cash from your deposit account
• The ATM was an independent ATM (not owned by a bank, Visa, or Mastercard) located in the U.S. or its territories
• You were charged a surcharge (access fee) between October 24, 2007 and August 14, 2026
• Your bank did not fully reimburse the fee
• You may also be part of a Statewide Class if you were in California, Illinois, Massachusetts, or Michigan when charged
• Credit card, cash advance, and prepaid card transactions do not count

How to file

1. Go to the claim form page on the official settlement website
2. Enter your Notice ID Number if you got an email notice (optional)
3. Fill in your name, address, phone number, phone type, and email address
4. Answer "Yes" if you were charged an unreimbursed surcharge at an independent ATM during the class period
5. Sign the form electronically and submit
6. You can also get a claim form by calling 1-866-893-1052 and mail it to the Claims Administrator
7. Your claim must be received by February 10, 2027

Proof required

• No documents are needed to file
• The claim is signed under penalty of perjury
• The Claims Administrator may later ask for bank statements or other documents to support your claim

Payment timing

If the Court approves the Settlement and there are no appeals, payments are expected within six months. Payments are sent by email with digital options such as PayPal or a virtual debit card. You can also ask for a paper check. Keep your email and mobile phone number current, or you may not get paid.

Important links

• Official website
• Claim form
• Important dates
• FAQs
• Documents

Contact

Extra details

• Case: Burke v. Visa Inc., No. 1:11-cv-01882 (D.D.C.), Judge Richard J. Leon
• Visa pays $88,775,000 and Mastercard pays $78,725,000, for a total fund of $167,500,000
• The fund also pays attorneys' fees of up to 30%, costs, taxes, up to $3 million in notice and admin costs, and service awards of up to $17,500 per class representative
• Leftover money goes to a nonprofit or "next best" recipient approved by the Court, not back to Visa or Mastercard
• This case is separate from Mackmin v. Visa Inc., which covered fees at bank-operated ATMs. Your choices here do not affect your rights in that case.
• To opt out, mail a letter with your statement, name, address, phone, email (if any), and signature to Non-Bank ATM Surcharge Fee Settlement, ATTN: EXCLUSIONS, P.O. Box 173001, Milwaukee, WI 53217. It must be received by December 11, 2026.
• Objections and Notices of Intention to Appear must be mailed to the Court and postmarked by December 11, 2026
• If you do nothing, you get no money and give up the right to sue Visa and Mastercard over these claims
• Do not call or write the Court for information. Contact the Claims Administrator.

FAQ

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