what's the difference between an atm fee and a surcharge?
 The difference between an ATM fee and a surcharge: 1. ATM fees associated with using a particular network’s ATM, while ATM surcharge is most often levied by the bank or other institution that owns and operates the machine, and is generally listed as a set dollar amount per transaction.
2. A fee or other charge that is added to the cost of a good or service., while surcharge is typically added to an existing tax, and may not be included in the stated price of a good or service. 