1.   Asked about the Electronic Funds Transfer Act, Garsson said the agency does not believe it gives local governments the right to prevent national banks from levying ATM surcharges.

2.   Bank of America and Wells Fargo Bank said they will restore ATM service to noncustomers in Santa Monica now that they can levy surcharges again.

3.   Both companies levy a surcharge.

4.   However, independently owned ATMs, which could continue to levy surcharges, would probably remain.

5.   NationsBank Corp., Fleet Financial Group and First Union Corp. are among the U.S. banks that now levy the surcharge.

6.   On one hand, many small banks also levy ATM surcharges, and officials support the right of the big banks to impose fees.

7.   US Airways levies the surcharge in most domestic markets, but not on the Boston-New York-Washington shuttle.

8.   Iraq initially sold its oil at a discount to the prevailing market price and then levied a surcharge that was roughly equal to the amount of the discount.

9.   The highly unpopular surcharges are levied by banks on people who use their automated teller machines if they are not customers of that bank.

10.   The surcharge is levied at the time of the transaction.