Allpoint Network Frequently Asked Questions
General
ATM Usage
ATM Locator
General
Q: What is the Allpoint Network?
A: Allpoint is a national network of 32,000 ATMs through which First
State Bank customers get fee-free* (also known as surcharge-free) access
to their accounts. Transactions that can be completed at Allpoint ATMs
include withdrawals, transfers, and inquiries.
Q: What is an ATM surcharge fee?
A: Commonly referred to as a surcharge this is the fee the owner
of the ATM machine assesses to all "foreign" cardholders (i.e., someone
that is not a customer of the institution owning the ATM). Surcharges
at most ATMs are typically between $1.85 and $3.50.
Q: I just found out that I now have access to
Allpoint ATMs. How do I enroll? What are the fees?
A: There are no fees* assessed by Allpoint ATMs for First State
Bank customers and enrollment is automatic. You can use your existing
First State Bank ATM/Check Card at any Allpoint ATM today.
Q: Where are Allpoint ATMs located?
A: Allpoint's 32,000 fee-free ATMs are located across the country
in local, regional, and national retail merchants. This includes merchants
such as Target, Costco, Exxon Mobil, Rite Aid, Sunoco and many others.
More are being added all the time. Use the ATM locator found on First
State Bank’s web site to find the Allpoint ATM closest to you.
ATM Usage
Q: I used an Allpoint ATM and the "surcharge message"
screen said I would be assessed a surcharge fee for the transaction
I was attempting. Will I be charged? Why does this happen?
A: No. Due to the technical limitations of certain types of ATM
machines, Allpoint is currently not able to prevent the "surcharge message"
screen from appearing on some Allpoint ATMs. The verification of Allpoint
participation happens while the transaction is processing rather than
before so the surcharge fee page will show up prior to the transaction
being completed. Allpoint is working to eliminate this confusion.
You should continue the transaction by answering "yes" on this screen.
When you get your receipt, you'll see that you were not assessed a surcharge
(i.e., the withdrawal amount on your receipt will show $20, $40, $60,
etc., as opposed to $21.85, $41.85, $61.85, etc. shown when you pay
a $1.85 surcharge fee).
Q: I used an Allpoint ATM and was incorrectly
surcharged a fee. How can I get a refund for the fees assessed?
A:
Click here to submit a refund request via Allpoint’s web site.
Q: The web site listed a certain ATM as part of
the Allpoint network, but when I went to use the ATM, the Allpoint logo
was not on the machine. Is this ATM still fee-free?
A: Yes. All ATMs listed on the ATM locator are fee-free*, even if
the Allpoint logo is not on the ATM. New ATMs to the Network are constantly
being added and it may take 4-6 weeks to get the Allpoint logo added
onto these ATMs.
Q: Are there any limitations to how many times
I can use an Allpoint ATM?
A: No. First State Bank customers get an unlimited number of fee-free*
transactions at Allpoint ATMs. You are, however, limited to First State
Bank’s daily withdrawal limit just as you are at First State Bank branch
ATMs. Some ATM owners may impose their own transaction limit (usually
$200). This is simply a transaction limitation placed on the machine
by the store owner (Allpoint and First State Bank have no control over
these limits nor do we have a way to track who has what limits). You
have unlimited fee-free* transactions so if you need $300 at a machine
with a $200 limit, you can simply do a second transaction. Please note,
First State Bank’s daily withdrawal limit established on your account(s)
is still in place and you will not be able to withdraw more than that
limit at any ATM.
Q: Can I still use ATMs that are not part of Allpoint?
A: Yes. Your ATM card will continue to work at ATMs that are not
included in the Allpoint network. However, you will be assessed a surcharge
fee at the ATMs that are outside the Allpoint network or at First State
Bank locations.
ATM Locator
Q: How does the ATM locator work?
A: It's easy! Simply type in your zip code or city/state and
the locator will list the address of all Allpoint ATMs within 10 miles
of the desired location (up to a maximum of 30 locations).
Q: How often is the location data on the web
site updated?
A: The ATM data used in the Allpoint locator is updated every
two weeks to reflect any changes to the network’s locations.
*If we allow you to overdraw your account by use of
your ATM/Check Card, fees will be charged for those overdrafts.
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