ATM surcharging - automated teller machine owners' assessing of an additional fee to cardholders of other banks - has become the most controversial issue facing electronic banking networks and their members.

Although the practice has existed in some form for almost a decade, the implications of more widespread surcharging on consumers, banks, nonbank ATM deployers, and networks may not be fully understood. My analysis suggests the long-term effects may not be salutary, especially for small banks and consumers.

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