Bank of America $2.25M Settlement for Double-Charged 7-Eleven ATM Fees

This class action centers on complaints that Bank of America customers were “double-charged” when using 7-Eleven ATMs—meaning they were allegedly assessed more than one fee for a single withdrawal. The case, brought as *Schertzer, et al. v. Bank of America, N.A., et al.*, (Case No. 3:19-cv-00264-DMS-MSB) in the U.S. District Court for the Southern District of California, reflects how ATM fee practices can vary by network, terminal owner, and card issuer, sometimes leading to confusion about what charges apply and when. For consumers, the dispute is straightforward: they paid fees that they said should not have been charged in the manner or amount they experienced, prompting the filing of a class action to seek relief for affected account holders. The lawsuit was filed to challenge Bank of America’s ATM fee disclosures and practices tied to withdrawals at 7-Eleven machines, and its significance lies in the court-approved settlement of about $2.25 million for eligible customers. Instead of each person chasing a separate claim, a class action consolidates many similar grievances, improving access to compensation and helping set expectations around fair fee assessment and clearer transaction communications. This kind of dispute also connects to broader issues seen in other ATM and retail financial-services fee cases—where plaintiffs often argue that charge structures were misleading, improperly applied, or not sufficiently disclosed at the point of use. Industry context matters because U.S. ATM fees are governed by federal disclosure requirements under regulations associated with the Truth in Lending Act (TILA) and related consumer-protection rules, which require advance notice of fees so customers can decide whether to proceed with a transaction. Similar cases typically examine whether fee messages, timing of disclosures, and the combination of issuer and surcharge fees complied with those standards, and whether the bank’s fee handling matched what consumers were effectively told. In this settlement, eligible Bank of America customers can submit claims through the settlement’s website (OONFeeSettlement.com) to seek payment from the fund for transactions alleged to have been double-charged at 7-Eleven ATMs, reflecting how enforcement and compensation mechanisms can respond when consumer fee expectations collide with real-world ATM charging behavior.