Cross the U.S. small and medium banks ATM transaction fee waiver.

<P> (Finance.) Message: To attract more customers, some small U.S. banks have recently in the ATM business (ATM) made a big fuss. .These banks not only eliminates the customers of other banks ATM machine ATM transaction costs, and have no additional transaction costs to join the professional ATM network, with less force to make up for weaknesses in their own outlets. .</ P> <P> different in China, the U.S. inter-bank transaction costs usually include two parts, not only owned banks to charge ATM machine, and the Bank may withdraw money from the cardholder to charge for the appropriate fee. .In other words, the U.S. bank to take the two-way inter-bank transaction charges. .It is reported that two U.S. banks to cross draw 20 dollars in cash and the fees of up to 5 dollars. .</ P> <P> the latest financial Web site Bankrate.com survey found that 98% of U.S. banks in the bank ATM machine to withdraw funds in other banks charge customers transaction fees, compared to 89% two years ago. .In the past two years, the U.S. interbank fees increased 20%. .According to Bankrate.com forecast this year, U.S. consumers pay for the cost of interbank transactions will be up to 42 billion U.S. dollars. .</ P> <P> in the above situation, the United States feel more and more small and medium banks in the fierce competitive disadvantage. .For two reasons: </ P> <P> more than one major bank outlets, although the inter-bank transaction fees high, but the bank's customer accounts can be found in most of the time line of ATM machines, which do not bear this .costs; second small bank branch less often have to deal with their customers interbank transactions, the long run is bound to result in customer loss. .In fact, residents in the choice of financial institutions in the United States will seriously consider the ATM business network size. .</ P> <P> order to reverse this disadvantage, the United States launched many small banks waive our customers in other banks ATM machine withdrawal fees policy, by the way charges into a single charge. .Bankrate.com survey showed that customers of other banks charge for ATM machines to withdraw funds in the United States the proportion of medium and small banks has decreased by 8 percentage points a year ago, charges have also been reduced. .</ P> <P> At the same time, remove the medium and small banks have joined the network of cross-bank ATM transaction fee alliance disguised withdraw money from customers to reduce the chance. .For example, US Bank recently joined the Moneypass on ATM network, its customers in 48 states and more than 10,000 units free ATM machine, than the US Bank has more than doubled the original network. .It is reported that, Moneypass has about 600 franchise organizations, including both financial institutions and also the payment of benefits through the ATM system, the government departments. .According to statistics, Moneypass the card has reached 2100 million people. .</ P> <P> Moneypass not be regarded as the largest ATM network of professional alliances, the leader comes as 50 states in the United States has 32,000 outlets in the Allpoint Network. .The agency is characterized by all the outlets are located in the Target, Costco and other large shopping malls, supermarkets and shopping centers, etc., for the American people has brought great convenience shopping withdrawal. .</ P>.