(mainly US, commerce) a document, usually negotiable, containing a signed promise to pay a stated sum of money to a specified person at a designated date or on demand Also called note, note of hand.
Before the amendment, retailers paid an average of 44 cents for a typical debit card transaction, then valued at roughly $38. The Durbin rules meant that for that typical $38 purchase, the maximum fee would be about 24 cents, 45% less than the average cost before the law took effect.
A service fee is a fee charged by the card issuer, KeyBank. A surcharge is a fee charged by an ATM owner. You will never be charged a service fee OR surcharge when using your card at an Allpoint or a KeyBank ATM however, be aware that other ATM owners may apply a surcharge depending on where you use your card.