Originally Posted by
Steve M
But, they don't appear to have any way of knowing what the actual fee charged by the ATM is. What they've done is assume that all withdrawals are at the very least in $5 increments, so they assume that the amount of the transaction that's above the nearest even $5 value is the ATM surcharge.
It depends on the processor the Financial Institution uses for their ATM network and in some cases the core banking platform. In most cases the withdrawal amount is in a separate field from the fee but not for every network / banking platform.
I have seen this before as well, just watch out in the US when you get a $5 fee, make sure to keep your receipt.