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Conference Paper
Explicit pricing of banking services
Journal Article
Fee schedules for services by Federal Reserve banks in 1988
Conference Paper
Pricing money transfer services
Journal Article
Fee schedules for services by Federal Reserve Banks
Journal Article
Fee schedules for services by Federal Reserve Banks
Journal Article
Comment sought for charging fees on all daylight overdrafts
Journal Article
Towards unbundling
Working Paper
To surcharge or not to surcharge: an empirical investigation of ATM pricing
This paper investigates depository institutions' decisions whether or not to impose surcharges (direct usage fees) on non-depositors who use their ATMs. In addition to documenting patterns of surcharging, we examine motives for surcharging, including both direct generation of fee revenue and the potential to attract deposit customers who wish to avoid incurring surcharges at an institution's ATMs. Consistent with expectations, we find that the probability of surcharging increases with both the institution's share of market ATMs and the time since surcharging was first allowed in the state, ...