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Released: February 18, 2012
Help Desk FAQ
Debit Cards
Are there fees associated with using a debit card?
There may be. Here are some examples of potential fees associated with using a debit card:- If you use your debit card to withdraw cash from another institution’s ATM, it would incur a fee, from one or possibly both banks involved.
- Your bank could charge you point-of-sale transaction fees. These fees are uncommon, but some banks will charge you for using your debit card for purchases.
- Merchants may impose a surcharge for using your debit card. ARCO or ampm, for example, will charge you 45 cents extra when you pay with a debit card. Merchants are not allowed to surcharge credit cards, but will, in some cases, surcharge debit cards.
- If you have opted in to your bank’s overdraft protection plan, then you could incur an overdraft fee if you spend more than you have in your account.
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