Yes, we believe they should. But the surcharges are a kind of shell game. The banking industry invented this system to move money around and make sure everyone's cost got covered. That's the 'off-us' fee. Foreign banks are now imposing surcharges in addition to the 50-cent interchange fee they get from home banks for the very same electronic transaction.
Consumers determine prices in the American free-market system.
If they feel prices are too high, they don't buy or use the product. If customers don't buy, prices will come down. In this case, most transactions are free at your own institution's ATMs. So there is a wide variety of choices-many types of transactions you can make. Surcharges hit military personnel especially hard.