ATM Surcharge? HSBC Account Withdrawl at WF ATM

I used my HSBC Debit card to withdraw money from a Wells Fargo ATM. The ATM had a sticker saying it may charge non-WF customers a fee of $1.50. I withdrew from my Online Savings; during the process, however, the screen didn't say anything about the WF Surcharge. When the cash came out and the receipt was printed out, it said nothing about any fees from Wells Fargo; it only stated my withdrawl amount.

I checked my HSBC account online and it only subtracted the amount I withdrew (no $1.50 non-HSBC ATM fee nor a Wells Fargo fee)

Does this mean that withdrawls at Wells Fargo ATMs (or at any other ATM for that matter) are free? Or do the ATM surcharges come around during the end of the billing cycle?

Do you have premire checking or Interest Checking Plus with HSBC? If not they charge $1.50 for using non HSBC ATM's on top of what ever fee the ATM charges.

dolmar said: Do you have premire checking or Interest Checking Plus with HSBC? If not they charge $1.50 for using non HSBC ATM's on top of what ever fee the ATM charges.

I have neither of those. Has anyone ever withdrew money from their online savings with a non-HSBC ATM? Should the fees have been assesed immediately or does it take longer than that (or is it free at Wells Fargo ATMs)? If the ATM displays their ATM Surcharge fee physically with a sticker, but does not display it on the screen, is it legal for them to charge me that fee?

You will get charged later.

I don't think you'll get charged from WF. I used to work for a bank and i could see the fee being assessed immediatly after someone made the withdrawal. It would say withdrawal: 20.00 fee: 1.50 (other banks fee).

Also, when people would get Cash Back at the grocery store, that would show up seperatly as well.

jkimcpa said: You will get charged later.

I've used my USAA Debit Mastercard at a Wells Fargo ATM and the ATM surcharge was included in the transaction amount. I'm betting that either HSBC has some kind of agreement with Wells Fargo, or more likely, it was an error.

GoCowboys said: I've used my USAA Debit Mastercard at a Wells Fargo ATM and the ATM surcharge was included in the transaction amount. I'm betting that either HSBC has some kind of agreement with Wells Fargo, or more likely, it was an error.

Did the screen happen to say it would charge you the $1.50 fee prior to your withdrawl? Mines didn't.....so does that mean that it recognized my card as a "member" card?

This is what I got from a not-so-knowledgable rep...
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Dear Valued Customer:

Thank you for your recent e-mail to HSBC Bank USA, N.A.

This may be something Wells Fargo is doing as a courtesy due to the
joint venture. Officially, HSBC states that any non HSBC ATM may apply a
service charge for use. That particular Wells Fargo branch may be able
to confirm more.

HSBC does not charge any additional fee if a withdrawal is made at an
HSBC ATM machine. When funds are withdrawn from another institution's
ATM there would be a fee from HSBC of $1. A charge may also apply from
the institution's ATM machine when the funds are being withdrawn. A
notice of the fee is usually posted on the ATM machine.

Our Customer Relationship Center is always available, 24 hours a day, 7
days a week, to meet all of your banking needs. Just e-mail us at
directbank.email@us.hsbc.com or call 1-800-975-HSBC (1-800-975-4722),
and speak with one of our professionals.

Sincerely,

Charles **********
Internet Banking Support Specialist
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Green for you.

Joint venture ! This could be interesting now that WM is no longer free.

But there is no mention on HSBC's website about free WF ATM usage tho.

jeffe said: any updates? did you receive a non hsbc atm fee from hsbc? wells fargo charge you yet?

okay, so my online transactions show CASH WITHDRAWAL ON XX/XX AT WFB XXXXX US

No fees from HSBC or Wells Fargo. I was dying to know for sure: "Am I able to use my debit/ATM card to make free withdrawls at WF ATMs?"

I called HSBC, the Indian guy picked up, he looked up my transaction, placed me on hold for 5 minutes, and came back to tell to call back after 6AM so that the system would be more up to date. He says my "transaction does not have complete information" or soemthing like that, which I think is complete bullcrap. The freaking transaction already posted to my account, so what is there? I assume that if Wells Fargo wanted to, they would have added the $1.50 fee to the withdrawl amount.

HAS ANYONE EVER USED THEIR HSBC ATM/DEBIT CARD AT ANY OTHER ATMS BESIDES HSBC ATMs? IF SO, HOW LONG DID IT TAKE FOR THE SURCHARGES TO POST? IF IT WAS IMMEDIATE, then i will assume that I am in the "clear" and that Wells Fargo does allow HSBC members to withdraw for free. Not only is HSBC associated with WF's Trade Bank, Wells Fargo also has a deal with HSBC Mexico where the WF customer can send money to Mexico and the recepient can withdraw from a HSBC branch or ATM in Mexico.

Am I the only one who thinks OP may get manually charged a fee bc he keeps bringing attention to this??

ArthurDent said: didYOUsearch said: Am I the only one who thinks OP may get manually charged a fee bc he keeps bringing attention to this??
That was my first thought as well on reading the first post! Just to get rid of his calls, a Customer Service rep is going to say "We have added a $2.50 surcharge. Thanks for calling."

Yea, but I still wanted to know. My email, however was anonymous, from an alternate email address.

wcl884 said: While there's no such thing as a definitive answer - but when I opened the HSBC Free Checking, I was told that when I WITHDRAW from Wells Fargo ATMs in California, there will be no surcharge by both banks. The caveat is of course you can only withdraw and not deposit from any CA Wells Fargo ATMs..nice to know

alanwong5521 said: wcl884 said: While there's no such thing as a definitive answer - but when I opened the HSBC Free Checking, I was told that when I WITHDRAW from Wells Fargo ATMs in California, there will be no surcharge by both banks. The caveat is of course you can only withdraw and not deposit from any CA Wells Fargo ATMs.

This is partly due to lack of HSBC ATMS (or branches) in California.

On a side note, for those of you traveling to Germany - Bank of American offers no-fee withdraw with any Deustch Bank ATMs too.

Sweet! So unofficially, HSBC members can withdraw from Wells Fargo ATMs in California for free! I'm guessing the bank representative told you this? This is simply wonderful news.

I guess its only for Cali like said before, because i was charged in Texas.

HSBC does NOT own Wells Fargo ... they have some sort of joint venture with Wells Fargo, but they do not own them.

What about trying to deposit money into an HSBC account from an WF ATM?