How Customer Fees Vary Among PIN-Based Debit Card Issuers

  (part 1 of 3)
   Proprietary Foreign PIN-based
   ATM ATM Purchases
  Bank 2001 2002 2003
  BB&T 0 0 0
  Bank One $1(d) $1(d) $1(e)
  Bank of America 0 0 0
  Bank of Oklahoma 0 0 0
  Bellco First Federal CU $1(f) $1(f) $1(f)
  Carrollton Bank 0 0 0
  Chase Manhattan 25cents-50cents 25cents-50cents 25cents-50cents
  Citibank 0 0 0
  Fifth Third 0 0 0
  First Federal/Charleston 20cents(i) 20cents(i) 50cents(i)
  First Tennessee Bank 0 0 0
  Harris Trust 0 0 0
  KeyCorp 0 0 0
  Marshall & Illsley 0 0 0
  National City 50cents(l) 50cents(l) 50cents(l)
  New Haven Savings 0 0 0
  PNC Financial 0 0 0
  Provident Bank 0 0 0
  Riggs Bank 0 0 0
  Southtrust 0 0 0
  TCF Bank 0 0 0
  U.S. Federal Credit Union $1(i) $1(i) $1(i)
  Wachovia Corp. 0 0 0
  Washington Mutual 0 0 0
  Wells Fargo 0 0 0
  Zions 0 0 0
  (part 2 of 3)
  Bank 2001 2002 2003
  BB&T $2 $1.75-$2(a)/ $2(a)/
   $1.50-$2(b) $1.50-$2(b)
  Bank One $1-$2 $1-$2 $1-$2
  Bank of America $1-$2 $1-$2 $1.50-$2
  Bank of Oklahoma $1 $1 $1
  Bellco First Federal CU $1(f) $1(f) $1(f)
  Carrollton Bank $1.50 $1.50 $1.50
  Chase Manhattan $1 $1 $1
  Citibank $1(h) $1(h) $1(h)
  Fifth Third $1.50 $1.50 $1.50
  First Federal/Charleston $1.50 $1.50 $1.50
  First Tennessee Bank $1.50 $1.50 $1.50
  Harris Trust $2(j) $2(j) $2(j)
  KeyCorp $1.50 $1.50 $1.50
  Marshall & Illsley $1-$2(k) $1-$2(k) $1-$2(k)
  National City $1.50 $1.50-$2(m) $1.50
  New Haven Savings $1 $1 $1.25
  PNC Financial $1.50 $1.50 $1.50-$2
  Provident Bank $1 $1.50 $1.50
  Riggs Bank $1.50-$2 $1.50-$2 $1.50-$2
  Southtrust $1.50 $1.50 $1.50
  TCF Bank $1.50-$3 $1.50-$3 $1.50-$3
  U.S. Federal Credit Union $1(i) $1(i) $1(i)
  Wachovia Corp. $1-$2 $1.50-$2 $1-$2
  Washington Mutual $1.25-$2 $1-$2 $1-$2
  Wells Fargo $2 $2 $2-$3
  Zions $1.50 $1.50 $1.50
  (part 3 of 3)
  Bank 2001 2002 2003
  BB&T 0 50cents(c) 50cents(c)
  Bank One 0 0 0
  Bank of America 0 0 0
  Bank of Oklahoma 0 0 0
  Bellco First Federal CU 0 0 0
  Carrollton Bank 30cents 50cents 50cents
  Chase Manhattan 50cents(g) 50cents(g) 50cents(g)
  Citibank 0 0 0
  Fifth Third 0 50cents 50cents
  First Federal/Charleston 0 0 0
  First Tennessee Bank 0 0 0
  Harris Trust 0 0 0
  KeyCorp 0 0 0
  Marshall & Illsley 0 0 0
  National City 0 0 0
  New Haven Savings 25cents 25cents 25cents
  PNC Financial 0 0 0
  Provident Bank 0 0 25cents
  Riggs Bank 50cents 50cents 50cents
  Southtrust 0 0 0
  TCF Bank 75cents 0 0
  U.S. Federal Credit Union 0 0 0
  Wachovia Corp. 25cents-$1.50 25cents-$1.50(c) 50cents(c)
  Washington Mutual 0 0 0
  Wells Fargo $1(n) $1(n) $1(n)
  Zions 0 0 0
  Notes: Fees may be waived by maintaining minimum balances or by holding certain checking accounts. Some banks' fees also may vary by region or network used. (a)Applies to proprietary ATM card. (b)Applies to Visa check card. (c)Free if Visa check card is used to initiate PIN transaction. (d)Fee applied only to use of Rapid Cash dispensers, which the bank is phasing out except for 18 deployed in casinos. (e) Fee applies to 18 Rapid Cash casino ATMs that were to
  have an accompanying Bank One logo removed by June 1. (f)First 12 transactions per month are free. (g) Fee, which is assessed when funds go below minimum-balance requirements, also applies to signature-based debit transactions. (h)First five transactions per month are free for some accounts. (i)Affects only savings accounts, and first three withdrawals are free. (j)First two to eight transactions per month are free, depending on account type. (k)Fee depends on account type. (l)Applies to one account, and customer must go below minimum
  balance and exceed 25 transactions during the month. (m)Tested a $2 foreign fee in some locations. (n)Monthly, if used to initiate a purchase that month. Fee not applicable to Visa check cards, except for some California accounts.
  Source: ATM&Debit News