Patent ID: 8255329

Claim:
A debit-card withdrawal-fee payment method comprising: at a computer-implemented account servicing system, receiving a selection made by a cardholder of a principal account in name of the cardholder, a first destination account in name of the cardholder and a second destination account in name of the cardholder from a plurality of accounts in name of the cardholder, the second destination account selected based on at least an amount of an automatic teller machine (ATM) transaction and a location of the ATM transaction; receiving a notification of a withdrawal-fee charge associated with the ATM transaction, the ATM transaction to debit the principal account in name of the cardholder in the transaction amount; and performing at least one memory write operation at a processor associated with the computer-implemented account servicing system to credit either the first destination account in name of the cardholder or the second destination account in name of the cardholder based on the selection made by the cardholder, with at least a portion of the withdrawal-fee charge depending on the amount of the withdrawal-fee charge.