The Impact of ATM Surcharges on Large Versus Small Banks: Is There a Customer Relationship Effect?


This paper uses a unique database to test the effect of ATM surcharges on large versus small banks. Specifically, we examine the impact of ATM surcharges on bank customer incentives to switch accounts, from smaller banks to larger banks, in order to avoid ATM surcharges. We find that ATM surcharges increase the market share of deposits of large banks and… (More)


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