Not code. But I bought an ATM once, set the surcharge to something like $10, then opened some checking accounts with "free ATM rebates", then just started making withdrawals like crazy. In case it's not obvious, the cash just goes in a circle and the ATM surcharge shows up as profit for the ATM owning entity (the expense of the surcharge fee is refunded by the bank, so no cost to that entity). Banks assume these are separate entities.