The Banks in the U.S. are given right by the local federal laws to charge Surcharge/fees from other Bank customer's accessing their ATM to withdraw money. Accordingly many ATMs in US do levy charges for withdrawing from their ATM over and above the charges levied by the HDFC Bank. Similarly, there are certain ATMs across other countries which may levy a charge for transactions done by other bank customers. This charge is normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort it.