ATM Class Action Lawsuit Update 2025
The ATM class action lawsuit is a legal case filed against Visa, Mastercard, and several large banks in the
The ATM class action lawsuit is a legal case filed against Visa, Mastercard, and several large banks in the United States. The lawsuit claims that these companies worked together to keep ATM fees high. People who used ATMs between October 1, 2007, and July 26, 2024, may be able to get money back from this lawsuit.
Who Is Involved in the Lawsuit?
The lawsuit was filed against big names in the banking and card industry. The companies named in the lawsuit include:
- Visa
- Mastercard
- Bank of America
- Chase Bank
- Wells Fargo
These banks and companies are accused of setting rules that stopped ATM operators from charging lower fees. Because of this, ATM users paid higher “access fees” than they should have.
What Are the Claims?
The main claim is that Visa and Mastercard created anti-competitive rules. These rules stopped smaller ATM networks from offering cheaper fees. As a result, customers had to pay more when they used out-of-network ATMs. The lawsuit says this behavior breaks antitrust laws in the U.S.
What Time Period Does the Case Cover?
This class action covers ATM transactions made between:
October 1, 2007 – July 26, 2024
Anyone who paid an unreimbursed ATM “access fee” using a Visa or Mastercard debit or credit card in this time period may be eligible for a payout.
What Settlements Have Been Reached?
1. Bank Settlement (2022)
In August 2022, three banks agreed to pay a total of $66.74 million. These banks were:
- Bank of America
- JPMorgan Chase
- Wells Fargo
People who filed valid claims for the bank settlement have already received payments.
2. Visa and Mastercard Settlement (2025)
In June 2025, Visa and Mastercard agreed to pay $197.5 million to settle the claims against them. The court has approved this settlement. The money will be shared among eligible people who submit valid claims or who were already part of the earlier settlement.
Total Amount of Settlement Money
With both settlements combined, the total amount is:
$66.74 million + $197.5 million = $264.24 million
This is the total amount available to pay back people who were affected by high ATM fees.
Who Can File a Claim?
You may be able to file a claim if:
- You used an ATM in the U.S. between October 1, 2007, and July 26, 2024
- You paid an ATM access fee
- You used a Visa or Mastercard debit or credit card
- You were not reimbursed for that ATM fee
Even if you were part of the earlier settlement in 2022, you may still qualify for this new settlement if you used ATMs again and paid more access fees later.
How to File a Claim
To file a claim, go to the official settlement website:
atmclassaction.com
There you can:
- Submit your claim form online
- Upload proof like ATM receipts or bank statements
- Find FAQs and contact info if you need help
If you already got paid from the earlier bank settlement and have not had any new fees since, you do not need to file again. You’ll get paid automatically from this new settlement.
If you have new ATM fees since your last claim, you must file again and include those new records.
What Kind of Proof Do You Need?
To get a payment, you need to show that you paid ATM fees during the time covered by the lawsuit. You can prove this with:
- ATM receipts
- Bank statements or credit card statements showing the ATM fee
- Any other document showing the fee was charged and not reimbursed
You do not need to show every single ATM fee, but the more proof you have, the better your chance of getting the full payment.
When Is the Deadline to File?
The deadline to file your claim is:
January 22, 2025
If you want to exclude yourself from the case or object to the settlement terms, the deadline is:
November 22, 2024
The final approval hearing for the settlement is expected to take place in:
January 2025
Payments will start once the court gives final approval and no one blocks the process with appeals.
How Much Money Will You Get?
The amount of money each person gets will depend on:
- How many valid claims are filed
- How many ATM fees you can prove
- Whether you already got paid from the 2022 settlement
If you have more documented ATM fees, you may get a larger share of the settlement fund.
Is the Case Still Open?
As of July 2025, the Visa and Mastercard settlement has been approved by the court. The case is in the final phase, and payments will be sent out after all claims are reviewed. People are still allowed to file claims until the January 2025 deadline.
How to Stay Updated
You can stay informed by visiting the official website or signing up for email alerts. The website also allows you to:
- Check your claim status
- Read court documents
- Contact the claims administrator
The website is run by the official claims administrator and includes secure options for uploading your documents.
Important Things to Know
- You don’t need a lawyer to file your claim
- Filing is free—never pay anyone for help
- You can file for yourself or your business if you were charged ATM fees
- Claims can be submitted online or by mail
- Be honest—false claims can be denied
- Make sure your contact details are up to date so the administrator can reach you when it’s time to send payment.
Where to Get Help
If you need help or have questions, you can contact the Claims Administrator using the information below:
- Website: atmclassaction.com
- Phone Number: Listed on the website
- Email: Use the contact form on the site
They can answer your questions about eligibility, how to file, and what documents to send.
