Skip to main content
U.S. flag
An official website of the United States government
Dot gov
The .gov means it’s official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.
The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.
This page is no longer active. Its content has expired or been rescinded by the FDIC.
Financial Institution Letter
Electronic Fund Transfer Act (Regulation E) Disclosures at Automated Teller Machines
Summary: The Federal Deposit Insurance Corporation (FDIC) is aware that a number of banks may not be fully complying with Section 205.16 of Regulation E. This regulation requires appropriate fee disclosures (1) on or at automated teller machines (ATMs), and (2) on either the screen of the machine or on a paper notice. The FDIC is reminding banks to ensure ATM fee disclosures fully comply with Regulation E. 



  • The ATM fee disclosure requirements of Regulation E are set forth in Section 205.16, 12 C.F.R. 205.16, and took effect October 1, 2001.
  • Section 205.16, requires an ATM operator that charges a fee to post a notice that a fee will be imposed for providing electronic fund transfer services or for a balance inquiry and disclose the amount of the fee.
  • Notices must be posted both (1) in a prominent and conspicuous location on or at the automated teller machine, and (2) on the screen or on paper before the consumer is committed to paying a fee.
  • An ATM operator may impose a fee on a consumer for initiating an electronic fund transfer or a balance inquiry only if the consumer is provided these notices and the consumer elects to continue the transaction or inquiry after receiving such notices.
  • The FDIC notified FDIC-supervised banks of the amendments to these disclosure requirements in a Financial Institution Letter (FIL) dated March 23, 2001 (FIL-25-2001).

FDIC-Supervised Institutions 

Suggested Routing: 
Chief Executive Officer 
Chief Compliance Officer 

FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at

To receive FILs electronically, please visit

Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200). 


Last Updated: November 27, 2009