Access to Money (ATM) Act of 2003

The Access to Money (ATM) Act of 2003 proposed a ban on ATM surcharges for machines that display paid advertisements. Under this bill, if an ATM operator chose to generate revenue by showing commercials or ads to users, they would be prohibited from charging those users a transaction fee, regardless of where the user held their bank account.

The bill included specific exceptions for advertisements regarding the bank’s own financial products or public service announcements, which would not trigger the fee ban. For everyday citizens, this legislation aimed to reduce out-of-pocket costs for accessing cash by requiring ATM owners to choose between collecting advertising revenue or charging consumer fees.