ATM, Cash & Coin Access Watch

Why this is recommended

An out-of-network ATM fee that rose to $5 a pull is $260 a year for a weekly user, a cash acceptance law that forces the stadium to take dollars, a coin counting fee at the bank, or a cash deposit rule that triggers a hold are each worth more than the membership.

What the Tab covers

Who it is for

The 20 million households that still run on cash, the tippers, the market vendors and everyone whose bank just closed the last branch in town.

When it runs

Banks and cities post changes mid-week; cash matters most on the weekend

Scope

State and city cash acceptance laws and cashless bans; ATM surcharge, foreign fee and cap changes at the 50 largest banks and the Allpoint, MoneyPass and Co-op networks; branch and ATM closures by metro; Federal Reserve coin circulation notices and Coinstar and bank coin counting fees; cash deposit limits, holds and reporting rules; cash-back-at-register fees at Walmart, Kroger, Dollar General and the chains; withdrawal limits and verification rules; Venmo, Cash App, PayPal and prepaid card cash-out fees; currency redesign and legal tender news

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Cashless business bans and cash acceptance laws by state and city, ATM fee caps, surcharge changes and fee-free network changes, branch and ATM removals by bank and metro, coin shortage notices and coin counting fee changes, cash deposit limits and reporting rule changes, cash-back-at-register fee introductions, bank cash withdrawal limits and verification rules, cash app and prepaid card cash-out fees and legal tender and currency redesign news, with the bank, city or rule first and the fee in the title.

Track access to cash for US consumers. Report only confirmed, source-backed items from the last 7 days: cash acceptance laws and cashless business bans passed, taking effect or enforced by any state or city; ATM surcharge, foreign fee and cap changes at the 50 largest banks and the Allpoint, MoneyPass and Co-op networks; branch and ATM closure announcements affecting a metro or a county with no other branch; Federal Reserve coin circulation notices and coin counting fee changes at banks and Coinstar; cash deposit limit, hold and reporting rule changes; cash-back-at-register fee introductions or changes at Walmart, Kroger, Dollar General and other national chains; withdrawal limit and verification rule changes; cash-out fee changes at Venmo, Cash App, PayPal and major prepaid cards; and currency redesign and legal tender news from the Treasury. Prefer state and city legislatures, bank fee schedules, network pages, the Federal Reserve, the Treasury, retailer pages and established consumer reporting; ignore unverified posts. Put the bank, city or rule first in the title with the fee or rule and the date. Use high severity for a fee increase of $1 or more at a top-10 bank or network, a cash acceptance law taking effect within 60 days, or a last-branch closure. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.