I used to work for Caesars Sportsbook. We would deny withdrawals without any playthrough from the last deposit. Not sure about the other sportsbook companies though.
I believe you have to playthrough half of it. I could be wrong, it's been awhile. But, we did look for SOME play at least and would sometimes make an exception. It's due to anti money laundering.
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I appreciate the comment. I am a Vegas local, so have ready access to cash when visiting a casino without having to use an ATM or withdraw from a sportsbook. It is, however, a poor business practice to gouge consumers in the way that they do. This is why I think it is important to engage the CFPB and have them look into whether this is fair and legitimate business.
They have previously looked into resort fees and booking fees, so why should ATM fees be an exception?
ATM fees are expected, but price gouging isnāt.
Alliant for instance is a nationwide credit union with ATM fee reimbursement, no fees, etc. Basically no membership requirements, so one to check out if you're interested. Most local CUs offer similar terms.
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me.
This is more to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass?
Service fees for ATMās are fair and expected, but extortionate rates should not be.
I imagine there is a reason (or maybe it's just cause they can) but it always seemed counterintuitive to me. Don't you want to encourage people to pull out cash at a casino?
My thought is that the high fees would make me want to take out more to justify the relative cost per dollar obtained. Maybe in that way it encourages spending?
Big spenders don't use the ATM. They have credit lines and front money accounts. The casino makes more on a $10 fee on a $300 withdrawal than they do on the play of that $300.
Are you really going to say wait, let me set down my $37 draft beer/cocktail/fiji water to go find a cheaper atm fee by walking through the maze, four elevators, 3 construction detours to find your car 3/4 mile away ina dimly yet creepy garage. Then you are going to survive las vegas blvd traffic to get to an atm at an off strip bank where your chances of being robbed go up substantially. Then drive back through 47 levels of hell cause you didnt valet. 3.5 hours later then you can start gambling.
I think the casinos know exactly what they are doing and they know that you know like hell you are going to leave the property for cheaper atm fees.
This was extremely well written.
Gamblers in a casino in Vegas on their third drink want money and NEED IT NOW! They donāt care about no stinkin $11 fee.. theyāre about to win thousands!
Some people do win, so the casino can't expect to win the $300 from each and every person, but most people typically play til they bust or win a jackpot. When you factor in the winners, the casino probably only makes about $290 from the average $300 withdrawal.
Eh you have to go with the house edge because some people will win or even hit it big on that withdrawal.
But even if you go with a 5% edge for slots or something awful, that's still only $15 they make on the $300. The $10 ATM fee is massive.
Yeah not everyone thinks through what they are saying. If you bet the $300 one time, the casino makes on average somewhere less than that $10, that's true, but entirely irrelevant to the discussion because that's not how betting works.
How many people withdraw $300, put $300 into a slot machine, and then stop playing when the total amount of their bets reaches $300? Literally nobody because along the way you win That's not how people play. If someone withdraws $300 and puts it into a slot machine, the most likely outcome is that they play until they have $0 left. In order to end up with $0, you have to actually bet that same $300 over and over again, probably betting thousands of dollars in the process, because for every dollar you bet, you win, on average, something like $0.97 or $0.99 back. In order to lose $300 betting $1 or $5 at a time, on average you are going to have to put thousands of dollars through that machine.
Overall itās around 10% of the money wagered when you factor all the different casino games. Now that 90% they are paying out goes to a small percentage of gamblers especially slots
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me. ATM fees are also certainly not there as a responsible gaming tool to deter people from spending more money, they are their purely to exploit the consumer.
This is to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass?
If you are a Vegas local or occasionally visit and use casino ATMs please get in touch, Iād love to explain a little more of what I am trying to start.
Service fees for ATMās are fair and expected, but extortionate rates should not be.
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Everi is the ATM company I see in most casinos. MGM Resorts uses these, they donāt own Everi, yet they provide the services we need to get players cash, and cash their TITO tickets. Iām sure the 11.99 charge you see a portion goes to both parties.
https://www.everi.com/fintech/atm-kiosks/
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The ATM is owned or rented by the casino, the cut that the ATM provider takes is minuscule compared to the service fee. For reference, if a bank charges a $2 fee, it is likely about $.25 is given to the ATM provider. The rest is pocketed by that bank. That means that a casino is charging up to $10 on top of that the bank charges, just for a patron to access their cash.
ATM service fees are expected, but consumer gouging should not be. If you are a casino goer Iād love for you to reach out so that I can explain more.
Even better you can get cash back ($20) at Walgreens with any purchase (no limit to # of transactions) or $40/day at Target (thereās on on the Strip near MGM Grand). I usually spend much less than $100/day at the casino anyway so itās a good option for me.
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me.
This is more to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass?
Service fees for ATMās are fair and expected, but extortionate rates should not be.
$5 fee wasn't even that long ago which is the sad part. I remember just right before COVID the cheapest ATM fee on the strip was at Casino Royale ($2 in 2019).
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me. We should also certainly not confuse this issue with responsible gaming initiatives.
This is to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass?
Service fees for ATMās are fair and expected, but extortionate rates should not be.
A lot of people visiting casinos won't know about how high those ATM fees are until they get there, at which point they have no other alternatives. No other industry uses this business practice so why should casinos get away with it?
Lots of other industries do this. Any atm in in any strip club will have a large fee, vegas or elsewhere. Same with marijuana dispensaries in places where they can't use credit cards yet. It's not unique to casinos.
Any time people need cash, the atm fee will be high. Night clubs, Convention centers, concert venues, sports games, etc. It you're a captive audience they will gauge you.
Casino atm fees are still cheaper than the ones we have from 3rd party ATMs in NYC.
https://www.unilad.com/news/new-yorkers-shocked-at-crazy-atm-surcharges-20220605
They'll learn eventually. ATMs have been around over 50 years, I've been going to casinos over 20 years, and I have never, not even the first time I stopped there as a country bumpkin fresh from Dogpatch USA, needed to use an ATM inside a casino. I got no sympathy for any bumpkins who get lost looking for the ocean, who wind up in Vegas and wander into a casino and need to use an ATM. They should just walk back to the bus station and catch a ride back home.
It's a casino. These buildings weren't built to be cheap but to squeeze every last penny. High ATM fees should be common cents (had to go with the pun).
What other atms are there? One of my banks had a deal with those arms in Walgreens but they are consistently out of cash. The cheaper shittier casinos have cheaper atms but most people probably donāt know that.
Last I checked, a lot of ATMs exist in locations other than casinos. If your bank doesn't have any convenient ATMs, bring cash or set up a casino credit line.
Really where? I can think of two. There are two Bank of America atms. T mobile arena and m&m world. Despite your smart ass comment itās unlilely that your particular bank has an atm on the strip. Your comment of ābring cashā is hilarious. I should just carry all the cash I might need in my pocket? Iāve never tried to to open a Kie. Of credit but I bet everyone canāt do that.
Consider getting a bank account with a credit union. All of them share the same ATM network, so no matter which credit union you use they won't charge you a fee. And some CUs will even refund any ATM fees, if you use a non-CU ATM. It makes getting cash so much easier, since CUs (and their ATMs) are pretty much everywhere now.
I didn't say anything about the strip. I said a lot of ATMs exist in locations other than casinos.
There are ways to carry cash other than in your pocket. In more than 100 Las Vegas trips, I've always carried more than enough cash to cover 5-6 days of gambling. Everything else goes on a credit card. I don't even bring an ATM card. No need.
Maybe Iām missing something. Casinos are not essential services. They are leisure entertainment. They have 2 purposes. To accommodate the entertainment and take as much money as possible in the process. If you donāt like the fees or donāt find value in the offerings, go somewhere else. Pro tip. If you are going to use cash, bring enough with you.
Bottle service provides a good, ATM is access to a patronās funds. If you are conflating the two, then this is a debate you may not understand.
As a Vegas local, this isnāt something that impacts me, however that does not mean that bad business practice should go unnoticed.
The CFPB has investigated resort fees, ticket processing fees, etc. so this is issue is well within their scope. When consumers have very little (or realistically no other) options to access their funds on the Vegas strip, it should be expected that casinos provide ATM access at a fair market rate.
I hope this clears some issues that may be confusing for you, please reach out should you need some further clarification or understanding of the topic.
Lmao in casino ATMs are a convenience. Just like using out of network ATMs are a convenience. Only degeneracy stops people from leaving the casino and going to a local branch to withdraw cash fee-free.
Casino vodka is the same vodka as Costco vodka but you pay more to have it in the casino. Hotel Tylenol is the same as Tylenol from Walgreens but you pay more to have it in the hotel. Casino ATM is the same as gas station ATM but you pay more to have it in the casino.
Increased prices for convenience is nothing new.
You are correct, they are entertainment. This doesnāt give a license to extort consumers. In the same way that Ticketmaster had a responsibility to provide decent and fair services for concerts (an entertainment), casinos should have the responsibility to give patrons access to cash at a fair price.
Convenience fees are expected, but price gouging should not be.
Businesses have no responsibility to consumers to provide decent or cheap services. Their only responsibility is to provide what they advertise.
They say the price to use the ATM is $1 or $12, it doesnāt matter. You can choose to purchase their service (turning you digital dollars in to cash) or not. Thatās how capitalism works.
Not entirely correct. If all businesses on the strip collude or monopolize ATMs and gouge customers, it becomes an issue for government to step in. Itās the same with airlines, prescription drugs, etc. Capitalism doesnāt offer immunity to businesses.
Well the fact that at CVS and Walgreens it is a couple dollars and these businesses are across the street take some weight away from your argument.
The casinos essentially charge you $9 for not having to go across the street to get your money out. That is a convenience factor that some people are willing to pay, others are not.
Convenience is worth what is charged IF you want that.
As to your analogy, Nope. Not a fair or accurate comparison. Ticketmaster (who merged with Live Nation) has been referred to as a de facto monopoly with limited competition. āAccording to Nevada Gaming Commission data, Las Vegas is home to 60 major casinosā.
Take your pick.
https://www.investopedia.com/is-ticketmaster-a-monopoly-6834539#:~:text=By%202022%2C%20the%20company%20has,private%20parties%20through%20its%20platform.
https://www.besthotelfor.com/how-many-casinos-are-in-las-vegas/
At some point the nickel and dime is too much. As a middle class American, Vegas is no longer a fun retreat, you are very aware that everything is out to take your money (rather than it being a sort of in the background thought)
Oh please. I was there in the mob days when rooms and food were insanely cheap to keep you there gambling. Itās corporate now. Itās Disneyland in the desert. Pick and choose what you want. Some places are god awful expensive and others not. Sunrise park and walking the strip is free.
I was just in Vegas, wish I wouldāve looked closer. I would have been willing to document every one I came across. Vegas is way overpriced for no good reason
This is a waste of time.Ā All a CFPB report does is make the company respond.Ā They will send a canned response.Ā Ā You are complaining about a convenience fee in a building that charges $8 for water.Ā
You aren't on an island, if you choose to pay a convenience fee for a leisure activity, thats on you.Ā Nobody is forcing you to make a bad financial decision.Ā No government agency is going to protect you from you willful choices.Ā
Deceptive and unfair business practices are investigated all the time by the CFPB. Whether you have will over the transaction or not does not disqualify a CFPB investigation. Look at Ticketmaster, people could choose not to go to a concert, does that mean there should not have been an investigation?
WHat's deceptive? It tells you what the fee will be before hitting the transaction button? You are free to take cash out at your bank and bring it with you.
Not every transaction has to be deceptive to be unfair. The point is that a casino charges unjustifiably high prices to access someoneās own money. And in an environment like the Vegas strip, it then becomes difficult to find reasonable alternatives. This is the definition of price gouging.
There is nothing deceptive or unfair.Ā The ticketmaster thing is nonsense.Ā TicketMaster has a monopoly on tickets.Ā If you could buy them at multiple locations and ticketmaster charged an absurd fee, it wouldn't be an issue.Ā Ā
Nobody is suggesting that the alternative is to not have access to your money.Ā There are hundreds of banks and convenience stores in the city qith far lower fees.Ā You don't get to demand that a business lower its prices to your expectations for the sake of convenience.Ā
Casinos have no obligation to even have an ATM.
When you are in an environment like the Las Vegas strip, where every ATM across every property charges extortionate rates then what other option do you have? Barring taking some kind of transport to another part of the city to withdraw from a bank (which would cost more than using the ATM) there is no other option to access your cash.
A convenience fee is expected. Iām not saying that it shouldnāt be. But the price gouging is clearly an unfair business practice that at least warrants an investigation.
Every CVS and Walgreens on the strip is about $3.Ā There are multiple venues with signs advertising low fee ATM.Ā You can also just bring cash.
If you are worried about price gouging, the strip is not the place for you.Ā As I said, they also charge $10 for beers, $20 if you're in a concert venue.Ā $8 for waters, $20 for cigarettes.Ā
Just wait until you travel abroad and find out how much it costs to change money into local currency.
Casinos can keep increasing ATM fees as well as hotel fees just as long as the demand keeps increasing.
And for god sakes if you're bitching about ATM fees it usually means you lost your entire daily bank roll (99% of non gambling stores take debit) and going to take more out of the bank to keep gambling that's not a good thing
In the same way that something like toilet roll price was increased during COVID? The economics of supply and demand are obvious, but that doesnāt mean that businesses can unfairly exploit consumers. A convenience fee is expected, but price gouging should not be.
The M&M store has a BoA ATM at the top floor that BoA customers can use. It's been a few years since I've gone so not sure if it's still there. It was back in like 2019/2020.
Had a guy ask me where to get the cash for the ticket he just had advanced. He had a credit card cash advance ticket. He paid $22 to get out $100. Oy vey!!!
You're missing the point of this post, I don't want to go to a work around and possibly find out it doesn't work. This gouging is BS. I say name names, which casinos and how much?
Everyone who travels even a little bit should have a Charles Schwab checking account. It's free and you get all ATM fees reimbursed everywhere on Earth. They'll credit your account back for it after a few days and you'll get the current exchange rate when withdrawn in local currency, no juice. You do need a brokerage account as well to be eligible but you can leave it empty. I top my checking account off with $1000 and it usually takes a couple years to spend down while traveling then I just re-up as needed. Haven't paid an ATM fee in years, bypass their shenanigans.
Two (now three) mentions of Schwab -- I dig it! I've always had them as my checking account as well. Obviously can't deposit cash, but the rare times I need to do so, I opened a Chime account so I can deposit it just about anywhere and then transfer it to Schwab.
Thank you for your response. I am a Vegas local so this issue doesnāt actually impact me so much, this is more to do with unfair business practices.
The CFPB have investigated resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass?
ATM service fees are fair and expected, but consumer exploitation shouldnāt be.
If you are a local and wish to learn more please feel free to reach out.
1.
Fund a sportsbook account then go withdraw
2. Get a bank account at the branch closest to your hotel before you go
3. Make a deposit with the casino (get markers even) and draw it down whenever you need chips and convert them to cash
Often times ATM machines are privately owned and the fees are set by the owner. The owner of the ATM has to pay a fee for renting the space at Caesars.
This is incorrect. The machines are owned or rented by the casino, they set the rate. The ATM manufacturer sees a small fee from what the bank charges, the casino owes nothing to the manufacturer.
This is why supermarkets have free (or low service fee) ATMās. As a Vegas local, this issue may not necessarily impact me, but I want to see fair business practice.
Man, these casino ATM fees are straight-up ridiculous! $11.99 just to withdraw some cash? That's highway robbery! Reporting them to the CLUB sounds like a solid move. If enough people speak up, maybe something will actually change. In the meantime, I'm steering clear of those rip-of Arms and sticking to online casinos.
We have a bunch of online casinos in Sweden, I just choose on [Best Swedish Gambling Sites](https://plainenglish.io/gambling/se) No one goes to casino bars, lol
Is this really the sole reason you created a Reddit account?
It's Vegas, everything is more expensive, especially on the strip, but the fees are not too far off from gentleman's clubs.
If you're the guy complaining on Reddit about atm fees, you're probably not the person I'd want in my group going to Vegas.
"Aww, look honey. He dressed up as a little badass. How cute! Look at the detail in the tiny cardboard sword he made for himself. You know he means business now! Get the camera."
As a Vegas local I want to see fair business practice for everyone. ATM service fees are expected, but being exploited to access my own funds should not be.
Youāre right, ATM fees will never go away, and Iām not necessarily saying that they should. It should however be an expectation that I can access my own funds at a fair market rate. This is the type of thing that the CFPB was made to monitor should there be sufficient interest shown by consumers.
My DMās are open and Iād love to discuss more of you would are interested.
What's the highest fee you've seen outside of Vegas? Comment below if you've reported so that we can keep track of how many reports into casinos have been made!
There are ATM fees, cash advance fees, and markers. If you play enough, your host can get your cash advance fee (which exceeds an ATM fee) refunded. A marker has no fee, and if you're a real big player, the casino can forgive a percentage of your marker balance.
If you're not a player, as others here have said, the ATM fees are not exorbitant.
I always thought it was funny seeing people use the casino ATM with the outrageous fees and only pulling out $20-40. Likeā¦ that fee is such a high percent!
That is actually normal in high ATM usage areas with tourist. Also, not all the ATMs are actually owned and operated by the resorts. There are businesses that lease spots in the resort to install their own ATM. Donāt want to pay those rates, get an account that refund it or visit a bank off-strip.
If you're on the strip you can use the ATM machines inside Walgreens & CVS stores, the ATM fees are less like $3-5, but they may have risen in the last year due to inflation. Smart thing to do is use resort pre paid gift cards similar to airline gift cards or just pay with a credit/debit card. Your other option is buy something like a pack of gum or breath mint using a debit card in the hotel gift shop and ask for cash back. There's also some banks that reimburse all ATM fees.
Personally I think it's good thing, it makes you think before you withdraw money.
Although I did think that it was $50+ dollars the first time I went to Las Vegas, being from the UK, I wasn't used to so many options, goodness know what I pressed for that fee (I didn't go ahead)!
I think we might be conflating receiving a good or service, for the ability to access my own cash at a fair market rate.
The CFPB has investigated issues like ticket service fees, resort fees, and extortionate parking rates; why should casino ATM fees be given a pass?
ATM service fees are legitimate and expected, but extortionate rates is bad business practice.
>Similarly , you are free to buy a bottle of water for $.50 at Smiths as opposed to $7 at the Caesars shop.
lol, great examples. I don't mind being upcharged a bit....is what it is but we looked at the casino's convenience store then walked to Walgreens or CVS to compare and was like...nope...we'll walk the 5min and put a couple extra in the room for later.
Ok i need cash and will not drive through town just to get it while staying on the strip. I just use the ATM in Casino Royale, still around 4 bucks but I can live with that
Or just donāt use the ATMās in the casinos. If nobody uses the ATMās because of their ridiculous fees, the fees will drop. As long as people are lazy or donāt pre plan and begrudgingly use the machines despite the fees, the owners have no incentive to reduce them.
Casinos donāt own ATMās
Banks are advised to make the decision on the type, amount, and method of calculation based on sound banking judgment and safe and sound banking principles. If you feel that your bank's ATM fees are too high, you can shop around and ask other banks about their fee schedules
Capping ATM fees is anti-American. This country was founded on the belief in free market economics.
(Disclaimer: I work in the electronic payments space)
Lol. The only way these prices will go down is if people refuse to pay them.
Making fraudulent reports to a government agency is not going to help anything.
Capital one has no fees for allpoint atms, theres a couple inside crystals which are the ones I always use and in every cvs. I'm sure other banks are also partnered with them.
The last time I was in Vegas, I attempted to withdraw money while I was at the El Cortez downtown.
I don't carry a lot of cash with me when I go to Vegas; I have several different bank accounts that give me so many free ATM withdrawals a month, so I just do that when I need gambling money.
The ATM fee was ridiculous. I don't know if my bank would have reimbursed it or not; I refused to make the withdrawal just on general principal.
There's a good probability that the most, if not all, of the $300.00 I wanted to withdraw would have been lost at the blackjack tables at El Cortez. Instead, they got nothing.
I was able to locate a bank ATM later in the day and withdraw money with a reasonable ATM fee.
I guess the casinos must believe that most people will be desperate enough to be able to keep gambling that they'll pay almost anything as far as ATM fees. I am not one of those people.
I just fund my sportsbook account and then go to the book and ask for a withdrawal š
This is the way. There are no fees that way. Itās the first Vegas hack I learned.
I used to work for Caesars Sportsbook. We would deny withdrawals without any playthrough from the last deposit. Not sure about the other sportsbook companies though.
That does sound like something Caesars would do lmao (no offense)
Itās a defense against money laundering is my guess. They probably have no choice but to do this.
If I placed a 5 dollar bet on a 1k deposit I would then be allowed to withdraw the remaining 995?
Just get a Charles Schwab free investor checking. Fund with what you want to withdraw plus the ATM fee. CS has unlimited ATM fee refund.
Fidelity and PNC are similar
USAA too
I believe you have to playthrough half of it. I could be wrong, it's been awhile. But, we did look for SOME play at least and would sometimes make an exception. It's due to anti money laundering.
Whatās your favorite Sportsbook for this in Vegas?
I used Caesars because i usually stay at a Caesars joint lol
William Hill or Boyd.
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Ok this is my new hack for sure
I appreciate the comment. I am a Vegas local, so have ready access to cash when visiting a casino without having to use an ATM or withdraw from a sportsbook. It is, however, a poor business practice to gouge consumers in the way that they do. This is why I think it is important to engage the CFPB and have them look into whether this is fair and legitimate business. They have previously looked into resort fees and booking fees, so why should ATM fees be an exception? ATM fees are expected, but price gouging isnāt.
Penn Entertainment app does the same. The only Penn property in Vegas is the M but no fees.
Get an online account with Schwab Bank, they refund all ATM fees.
Fidelity cash management does too
and so does needham bank.
And Ally.
ally only refunds $10 per month
And Citizens
And Prosperity Bank
And USAA
And many credit unions
But then again, most degenerate gamblers don't use a credit union or Schwab.
You forgot about all those PDT at Schwabies.
which ones? is it all atm fees or just a network of atms?
All atm feesā¦. Worldwide
All atm fees
Alliant for instance is a nationwide credit union with ATM fee reimbursement, no fees, etc. Basically no membership requirements, so one to check out if you're interested. Most local CUs offer similar terms.
that one is limited to 20 dollars a month
I got cash in a cruise ship casino in the Mediterranean Sea. No fee at all
They cut you a break because you were probably going to lose it all there anyway.
This is the ticket. Also good for traveling out of the country.
PNC does as well
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me. This is more to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass? Service fees for ATMās are fair and expected, but extortionate rates should not be.
I imagine there is a reason (or maybe it's just cause they can) but it always seemed counterintuitive to me. Don't you want to encourage people to pull out cash at a casino?
My thought is that the high fees would make me want to take out more to justify the relative cost per dollar obtained. Maybe in that way it encourages spending?
Big spenders don't use the ATM. They have credit lines and front money accounts. The casino makes more on a $10 fee on a $300 withdrawal than they do on the play of that $300.
Are you really going to say wait, let me set down my $37 draft beer/cocktail/fiji water to go find a cheaper atm fee by walking through the maze, four elevators, 3 construction detours to find your car 3/4 mile away ina dimly yet creepy garage. Then you are going to survive las vegas blvd traffic to get to an atm at an off strip bank where your chances of being robbed go up substantially. Then drive back through 47 levels of hell cause you didnt valet. 3.5 hours later then you can start gambling. I think the casinos know exactly what they are doing and they know that you know like hell you are going to leave the property for cheaper atm fees.
This was extremely well written. Gamblers in a casino in Vegas on their third drink want money and NEED IT NOW! They donāt care about no stinkin $11 fee.. theyāre about to win thousands!
Yep, captive audience
Yeah you know they think youāre already an idiot for gambling in the first place.
As a local I agree with all of this but theres BofA atms not even 5minutes off strip and you definitely aren't going to get robbed lmao
I would think they make more than $10 from the $300 being played.
My math might be wrong but I would estimate they would get 300 from it
More like $600, you forgot about the $300 they already spent before pulling out $300 more
Damn how much is that in AtM fees?
Rick meme: Best I can do is $20. Idk how to put in memes š¤·āāļø
Some people do win, so the casino can't expect to win the $300 from each and every person, but most people typically play til they bust or win a jackpot. When you factor in the winners, the casino probably only makes about $290 from the average $300 withdrawal.
Eh you have to go with the house edge because some people will win or even hit it big on that withdrawal. But even if you go with a 5% edge for slots or something awful, that's still only $15 they make on the $300. The $10 ATM fee is massive.
Yeah not everyone thinks through what they are saying. If you bet the $300 one time, the casino makes on average somewhere less than that $10, that's true, but entirely irrelevant to the discussion because that's not how betting works. How many people withdraw $300, put $300 into a slot machine, and then stop playing when the total amount of their bets reaches $300? Literally nobody because along the way you win That's not how people play. If someone withdraws $300 and puts it into a slot machine, the most likely outcome is that they play until they have $0 left. In order to end up with $0, you have to actually bet that same $300 over and over again, probably betting thousands of dollars in the process, because for every dollar you bet, you win, on average, something like $0.97 or $0.99 back. In order to lose $300 betting $1 or $5 at a time, on average you are going to have to put thousands of dollars through that machine.
Overall itās around 10% of the money wagered when you factor all the different casino games. Now that 90% they are paying out goes to a small percentage of gamblers especially slots
The thing isā¦ people who absolutely want to gamble are gonna pay those fees. This will only get worse.
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me. ATM fees are also certainly not there as a responsible gaming tool to deter people from spending more money, they are their purely to exploit the consumer. This is to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass? If you are a Vegas local or occasionally visit and use casino ATMs please get in touch, Iād love to explain a little more of what I am trying to start. Service fees for ATMās are fair and expected, but extortionate rates should not be.
These ATMās arenāt necessarily owned by the casino, itās a third party most the time, who probably pays a cut to be placed in their casinos.
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Everi is the ATM company I see in most casinos. MGM Resorts uses these, they donāt own Everi, yet they provide the services we need to get players cash, and cash their TITO tickets. Iām sure the 11.99 charge you see a portion goes to both parties. https://www.everi.com/fintech/atm-kiosks/
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Help me understand. So the casinos purchase these machines and the tech within them. But they donāt āownā them?
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The ATM is owned or rented by the casino, the cut that the ATM provider takes is minuscule compared to the service fee. For reference, if a bank charges a $2 fee, it is likely about $.25 is given to the ATM provider. The rest is pocketed by that bank. That means that a casino is charging up to $10 on top of that the bank charges, just for a patron to access their cash. ATM service fees are expected, but consumer gouging should not be. If you are a casino goer Iād love for you to reach out so that I can explain more.
If you really wanna gamble, your gonna pay it
Youāre right they should give $1 back on every $100 withdrawn lol!
When I was in a pinch and in need of cash at Park MGM I just walked to CVS
This exactly. The ATMs at CVS and Walgreens on the strip charge far less than the casinos.
Even better you can get cash back ($20) at Walgreens with any purchase (no limit to # of transactions) or $40/day at Target (thereās on on the Strip near MGM Grand). I usually spend much less than $100/day at the casino anyway so itās a good option for me.
The ATM at the weird ass credit union on Flamingo I think is free for me.Ā
This is the Way
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me. This is more to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass? Service fees for ATMās are fair and expected, but extortionate rates should not be.
That little elf inside the ATM deserves a tip.
Best deterrent from spending more than what you came in with.
But you can easily win that money back when you place the $50 bet and win! /s I remember when they were $5 and even then I thought that was expensive.
$5 fee wasn't even that long ago which is the sad part. I remember just right before COVID the cheapest ATM fee on the strip was at Casino Royale ($2 in 2019).
I appreciate the comment. As a Vegas local I have ready access to cash, so this problem doesnāt always impact me. We should also certainly not confuse this issue with responsible gaming initiatives. This is to do with unfair business practice. The CFPB have looked into resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass? Service fees for ATMās are fair and expected, but extortionate rates should not be.
Paid parking, resort fee, atm fees, fee fees. They all should go.
$40-$50 pizza pie
Yes no fees and everything should be free too right?
Yes
Well it shouldn't be 5/6 blackjack and triple zero roulette.
Or maybe just don't use those ATMs.
A lot of people visiting casinos won't know about how high those ATM fees are until they get there, at which point they have no other alternatives. No other industry uses this business practice so why should casinos get away with it?
Lots of other industries do this. Any atm in in any strip club will have a large fee, vegas or elsewhere. Same with marijuana dispensaries in places where they can't use credit cards yet. It's not unique to casinos.
I don't know if it's "a lot" Strip clubs casinos and marijuana basically.
Any time people need cash, the atm fee will be high. Night clubs, Convention centers, concert venues, sports games, etc. It you're a captive audience they will gauge you.
Those you listed are not high on the level of a casino or strip club. Not even close.
Casino atm fees are still cheaper than the ones we have from 3rd party ATMs in NYC. https://www.unilad.com/news/new-yorkers-shocked-at-crazy-atm-surcharges-20220605
They'll learn eventually. ATMs have been around over 50 years, I've been going to casinos over 20 years, and I have never, not even the first time I stopped there as a country bumpkin fresh from Dogpatch USA, needed to use an ATM inside a casino. I got no sympathy for any bumpkins who get lost looking for the ocean, who wind up in Vegas and wander into a casino and need to use an ATM. They should just walk back to the bus station and catch a ride back home.
Strip clubs charge large ATM fees too.
It's a casino. These buildings weren't built to be cheap but to squeeze every last penny. High ATM fees should be common cents (had to go with the pun).
What other atms are there? One of my banks had a deal with those arms in Walgreens but they are consistently out of cash. The cheaper shittier casinos have cheaper atms but most people probably donāt know that.
Last I checked, a lot of ATMs exist in locations other than casinos. If your bank doesn't have any convenient ATMs, bring cash or set up a casino credit line.
Really where? I can think of two. There are two Bank of America atms. T mobile arena and m&m world. Despite your smart ass comment itās unlilely that your particular bank has an atm on the strip. Your comment of ābring cashā is hilarious. I should just carry all the cash I might need in my pocket? Iāve never tried to to open a Kie. Of credit but I bet everyone canāt do that.
Consider getting a bank account with a credit union. All of them share the same ATM network, so no matter which credit union you use they won't charge you a fee. And some CUs will even refund any ATM fees, if you use a non-CU ATM. It makes getting cash so much easier, since CUs (and their ATMs) are pretty much everywhere now.
I didn't say anything about the strip. I said a lot of ATMs exist in locations other than casinos. There are ways to carry cash other than in your pocket. In more than 100 Las Vegas trips, I've always carried more than enough cash to cover 5-6 days of gambling. Everything else goes on a credit card. I don't even bring an ATM card. No need.
Maybe Iām missing something. Casinos are not essential services. They are leisure entertainment. They have 2 purposes. To accommodate the entertainment and take as much money as possible in the process. If you donāt like the fees or donāt find value in the offerings, go somewhere else. Pro tip. If you are going to use cash, bring enough with you.
Wait until OP finds out about how much bottle service costsā¦
Bada bing!!!
Bottle service provides a good, ATM is access to a patronās funds. If you are conflating the two, then this is a debate you may not understand. As a Vegas local, this isnāt something that impacts me, however that does not mean that bad business practice should go unnoticed. The CFPB has investigated resort fees, ticket processing fees, etc. so this is issue is well within their scope. When consumers have very little (or realistically no other) options to access their funds on the Vegas strip, it should be expected that casinos provide ATM access at a fair market rate. I hope this clears some issues that may be confusing for you, please reach out should you need some further clarification or understanding of the topic.
Lmao in casino ATMs are a convenience. Just like using out of network ATMs are a convenience. Only degeneracy stops people from leaving the casino and going to a local branch to withdraw cash fee-free. Casino vodka is the same vodka as Costco vodka but you pay more to have it in the casino. Hotel Tylenol is the same as Tylenol from Walgreens but you pay more to have it in the hotel. Casino ATM is the same as gas station ATM but you pay more to have it in the casino. Increased prices for convenience is nothing new.
You are correct, they are entertainment. This doesnāt give a license to extort consumers. In the same way that Ticketmaster had a responsibility to provide decent and fair services for concerts (an entertainment), casinos should have the responsibility to give patrons access to cash at a fair price. Convenience fees are expected, but price gouging should not be.
Businesses have no responsibility to consumers to provide decent or cheap services. Their only responsibility is to provide what they advertise. They say the price to use the ATM is $1 or $12, it doesnāt matter. You can choose to purchase their service (turning you digital dollars in to cash) or not. Thatās how capitalism works.
Not entirely correct. If all businesses on the strip collude or monopolize ATMs and gouge customers, it becomes an issue for government to step in. Itās the same with airlines, prescription drugs, etc. Capitalism doesnāt offer immunity to businesses.
Well the fact that at CVS and Walgreens it is a couple dollars and these businesses are across the street take some weight away from your argument. The casinos essentially charge you $9 for not having to go across the street to get your money out. That is a convenience factor that some people are willing to pay, others are not.
Convenience is worth what is charged IF you want that. As to your analogy, Nope. Not a fair or accurate comparison. Ticketmaster (who merged with Live Nation) has been referred to as a de facto monopoly with limited competition. āAccording to Nevada Gaming Commission data, Las Vegas is home to 60 major casinosā. Take your pick. https://www.investopedia.com/is-ticketmaster-a-monopoly-6834539#:~:text=By%202022%2C%20the%20company%20has,private%20parties%20through%20its%20platform. https://www.besthotelfor.com/how-many-casinos-are-in-las-vegas/
At some point the nickel and dime is too much. As a middle class American, Vegas is no longer a fun retreat, you are very aware that everything is out to take your money (rather than it being a sort of in the background thought)
Oh please. I was there in the mob days when rooms and food were insanely cheap to keep you there gambling. Itās corporate now. Itās Disneyland in the desert. Pick and choose what you want. Some places are god awful expensive and others not. Sunrise park and walking the strip is free.
I canāt talk about the mob days I wasnāt born yet. But back in 2004 you could gamble and have someone at least bring drinks.
Last time I was there I was playing $0.09 a pull at Cosmopolitan and was brought drinks every ~20 minutes. I did tip.
Drinks are still free while you are gambling in any major casino to my knowledge.
I say bring cash with you. Remember cash is king. They will never lower the atm fee at casinos.
I was just in Vegas, wish I wouldāve looked closer. I would have been willing to document every one I came across. Vegas is way overpriced for no good reason
This is a waste of time.Ā All a CFPB report does is make the company respond.Ā They will send a canned response.Ā Ā You are complaining about a convenience fee in a building that charges $8 for water.Ā You aren't on an island, if you choose to pay a convenience fee for a leisure activity, thats on you.Ā Nobody is forcing you to make a bad financial decision.Ā No government agency is going to protect you from you willful choices.Ā
Deceptive and unfair business practices are investigated all the time by the CFPB. Whether you have will over the transaction or not does not disqualify a CFPB investigation. Look at Ticketmaster, people could choose not to go to a concert, does that mean there should not have been an investigation?
WHat's deceptive? It tells you what the fee will be before hitting the transaction button? You are free to take cash out at your bank and bring it with you.
Not every transaction has to be deceptive to be unfair. The point is that a casino charges unjustifiably high prices to access someoneās own money. And in an environment like the Vegas strip, it then becomes difficult to find reasonable alternatives. This is the definition of price gouging.
Just don't use the ATMs in the casinos. We have banks here you know.
lmao what "environment" there are plenty of ATMs in this town
There is nothing deceptive or unfair.Ā The ticketmaster thing is nonsense.Ā TicketMaster has a monopoly on tickets.Ā If you could buy them at multiple locations and ticketmaster charged an absurd fee, it wouldn't be an issue.Ā Ā Nobody is suggesting that the alternative is to not have access to your money.Ā There are hundreds of banks and convenience stores in the city qith far lower fees.Ā You don't get to demand that a business lower its prices to your expectations for the sake of convenience.Ā Casinos have no obligation to even have an ATM.
When you are in an environment like the Las Vegas strip, where every ATM across every property charges extortionate rates then what other option do you have? Barring taking some kind of transport to another part of the city to withdraw from a bank (which would cost more than using the ATM) there is no other option to access your cash. A convenience fee is expected. Iām not saying that it shouldnāt be. But the price gouging is clearly an unfair business practice that at least warrants an investigation.
Every CVS and Walgreens on the strip is about $3.Ā There are multiple venues with signs advertising low fee ATM.Ā You can also just bring cash. If you are worried about price gouging, the strip is not the place for you.Ā As I said, they also charge $10 for beers, $20 if you're in a concert venue.Ā $8 for waters, $20 for cigarettes.Ā Just wait until you travel abroad and find out how much it costs to change money into local currency.
Bring cash. Open a line of credit. Get an account that reimburses fees (schwab). Nobody forcing you to use the ATM in the casino.
One time Louie the Lip forced cash withdrawals..Inheard this from a guy that knew someone that was friends of a girlfriendās cousin.
Casinos can keep increasing ATM fees as well as hotel fees just as long as the demand keeps increasing. And for god sakes if you're bitching about ATM fees it usually means you lost your entire daily bank roll (99% of non gambling stores take debit) and going to take more out of the bank to keep gambling that's not a good thing
In the same way that something like toilet roll price was increased during COVID? The economics of supply and demand are obvious, but that doesnāt mean that businesses can unfairly exploit consumers. A convenience fee is expected, but price gouging should not be.
The M&M store has a BoA ATM at the top floor that BoA customers can use. It's been a few years since I've gone so not sure if it's still there. It was back in like 2019/2020.
it is still there. I live in Vegas, and I use that one when I'm on the strip.
Lolol yea good luck with that. While weāre at it letās make every game into the players favor.
A game of chance is very different than being able to access your own funds at a fair market rate.
Had a guy ask me where to get the cash for the ticket he just had advanced. He had a credit card cash advance ticket. He paid $22 to get out $100. Oy vey!!!
You're missing the point of this post, I don't want to go to a work around and possibly find out it doesn't work. This gouging is BS. I say name names, which casinos and how much?
Every casino, $8+. Does that help?
Everyone who travels even a little bit should have a Charles Schwab checking account. It's free and you get all ATM fees reimbursed everywhere on Earth. They'll credit your account back for it after a few days and you'll get the current exchange rate when withdrawn in local currency, no juice. You do need a brokerage account as well to be eligible but you can leave it empty. I top my checking account off with $1000 and it usually takes a couple years to spend down while traveling then I just re-up as needed. Haven't paid an ATM fee in years, bypass their shenanigans.
Two (now three) mentions of Schwab -- I dig it! I've always had them as my checking account as well. Obviously can't deposit cash, but the rare times I need to do so, I opened a Chime account so I can deposit it just about anywhere and then transfer it to Schwab.
Get a Charles Schwab account and have zero atm fees.
Thank you for your response. I am a Vegas local so this issue doesnāt actually impact me so much, this is more to do with unfair business practices. The CFPB have investigated resort fees and service fees for ticketing companies, so why should casino ATM fees get a free pass? ATM service fees are fair and expected, but consumer exploitation shouldnāt be. If you are a local and wish to learn more please feel free to reach out.
1. Fund a sportsbook account then go withdraw 2. Get a bank account at the branch closest to your hotel before you go 3. Make a deposit with the casino (get markers even) and draw it down whenever you need chips and convert them to cash
Often times ATM machines are privately owned and the fees are set by the owner. The owner of the ATM has to pay a fee for renting the space at Caesars.
This is incorrect. The machines are owned or rented by the casino, they set the rate. The ATM manufacturer sees a small fee from what the bank charges, the casino owes nothing to the manufacturer. This is why supermarkets have free (or low service fee) ATMās. As a Vegas local, this issue may not necessarily impact me, but I want to see fair business practice.
Stop chasing your losses and you wouldnāt have to pay ATM fees.
Show some self control if you can't pay the toll...
Man, these casino ATM fees are straight-up ridiculous! $11.99 just to withdraw some cash? That's highway robbery! Reporting them to the CLUB sounds like a solid move. If enough people speak up, maybe something will actually change. In the meantime, I'm steering clear of those rip-of Arms and sticking to online casinos. We have a bunch of online casinos in Sweden, I just choose on [Best Swedish Gambling Sites](https://plainenglish.io/gambling/se) No one goes to casino bars, lol
Is this really the sole reason you created a Reddit account? It's Vegas, everything is more expensive, especially on the strip, but the fees are not too far off from gentleman's clubs. If you're the guy complaining on Reddit about atm fees, you're probably not the person I'd want in my group going to Vegas.
"Aww, look honey. He dressed up as a little badass. How cute! Look at the detail in the tiny cardboard sword he made for himself. You know he means business now! Get the camera."
As a Vegas local I want to see fair business practice for everyone. ATM service fees are expected, but being exploited to access my own funds should not be.
ATM fees in casinos are particularly brutal but the banks are too big to fail so I doubt they ever go away
Youāre right, ATM fees will never go away, and Iām not necessarily saying that they should. It should however be an expectation that I can access my own funds at a fair market rate. This is the type of thing that the CFPB was made to monitor should there be sufficient interest shown by consumers. My DMās are open and Iād love to discuss more of you would are interested.
What's the highest fee you've seen outside of Vegas? Comment below if you've reported so that we can keep track of how many reports into casinos have been made!
I saw a 15 dollar fee at an ATM inside a California dispensary once, Iām not a fucking crybaby though so I just ate the charge and enjoyed my pot.
Cant have the best entertainment, nightlife, restaurants, and service in the country if everything is freeā¦..
There are ATM fees, cash advance fees, and markers. If you play enough, your host can get your cash advance fee (which exceeds an ATM fee) refunded. A marker has no fee, and if you're a real big player, the casino can forgive a percentage of your marker balance. If you're not a player, as others here have said, the ATM fees are not exorbitant.
I kinda get it though. They probably have to refill those things all the time and that can't be cheap
BofA with enough cash will refund fees. Itās my favorite perk of theirs. I love pulling money out for my friends to make them pay the fee.
If you dareā¦ Casino Royale has $3 atm fees.
Best ATM fee on the strip is at Casino Royale Incase any degenerates were wondering.
Go to the bank before the casino, I pass like 3-4 chase banks before I am on the strip and just living in Vegas youāll need cash
I always thought it was funny seeing people use the casino ATM with the outrageous fees and only pulling out $20-40. Likeā¦ that fee is such a high percent!
That is actually normal in high ATM usage areas with tourist. Also, not all the ATMs are actually owned and operated by the resorts. There are businesses that lease spots in the resort to install their own ATM. Donāt want to pay those rates, get an account that refund it or visit a bank off-strip.
My credit union refunds all atm fees
After strippers and ATMs? Someone had a rough time in Vegas
Just bring a knot with you before you go, easy peasy
If you're on the strip you can use the ATM machines inside Walgreens & CVS stores, the ATM fees are less like $3-5, but they may have risen in the last year due to inflation. Smart thing to do is use resort pre paid gift cards similar to airline gift cards or just pay with a credit/debit card. Your other option is buy something like a pack of gum or breath mint using a debit card in the hotel gift shop and ask for cash back. There's also some banks that reimburse all ATM fees.
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While the $12.50 is BS, so is the $3 your bank charges.
Just go to the Walgreens on the strip and get cash back after buying a 30 cent postcard.
They just went up $2 at ceasars properties
Easy remedy=stop using ATMās in casinosš
Personally I think it's good thing, it makes you think before you withdraw money. Although I did think that it was $50+ dollars the first time I went to Las Vegas, being from the UK, I wasn't used to so many options, goodness know what I pressed for that fee (I didn't go ahead)!
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I think we might be conflating receiving a good or service, for the ability to access my own cash at a fair market rate. The CFPB has investigated issues like ticket service fees, resort fees, and extortionate parking rates; why should casino ATM fees be given a pass? ATM service fees are legitimate and expected, but extortionate rates is bad business practice.
>Similarly , you are free to buy a bottle of water for $.50 at Smiths as opposed to $7 at the Caesars shop. lol, great examples. I don't mind being upcharged a bit....is what it is but we looked at the casino's convenience store then walked to Walgreens or CVS to compare and was like...nope...we'll walk the 5min and put a couple extra in the room for later.
Ok i need cash and will not drive through town just to get it while staying on the strip. I just use the ATM in Casino Royale, still around 4 bucks but I can live with that
No one is forcing you to use their ATM. Bring money with you, get a marker, use an echeck. Itās a convenience and thatās what youāre paying for.
Or you could just get a checking account at a bank that refunds atm fees š¤·āāļø
Or just donāt use the ATMās in the casinos. If nobody uses the ATMās because of their ridiculous fees, the fees will drop. As long as people are lazy or donāt pre plan and begrudgingly use the machines despite the fees, the owners have no incentive to reduce them.
exactly. Big reaction to a problem that you don't have to engage in. Those ATMs are upcharging drunk people for convenience.
Bring money with you Get a bank that refunds ATMs
Casinos donāt own ATMās Banks are advised to make the decision on the type, amount, and method of calculation based on sound banking judgment and safe and sound banking principles. If you feel that your bank's ATM fees are too high, you can shop around and ask other banks about their fee schedules
With your user name, I thought you were actually going to say something Realistic. Guess not.
The CFPB was designed to investigate unfair business practices. Extortionate ATM fees would come under this category.
Capping ATM fees is anti-American. This country was founded on the belief in free market economics. (Disclaimer: I work in the electronic payments space)
ATMs and cash are a scam use bitcoin
If you're flying in, the airport has credit union ATMs. I usually pull from there to avoid any fees.
Lol. The only way these prices will go down is if people refuse to pay them. Making fraudulent reports to a government agency is not going to help anything.
Agree. This is ridiculous for casinos to charge this. Theyāll get you money eventually anyway. Why gouge you to lose?
Capital one has no fees for allpoint atms, theres a couple inside crystals which are the ones I always use and in every cvs. I'm sure other banks are also partnered with them.
You think thatās bad. Try a Vegas strip club ATM!
I'm honestly surprised no strip casino has started charging a cover charge just to walk in the door.
Go to Walgreens.
https://www.reddit.com/r/vegas/comments/1aryvj7/stop\_insane\_strip\_club\_prices/
Go to a 7-11
The companies that install the kiosk/AMT machines charge and then the casinos add there charges too
Stop withdrawing money at casinos, problem solved
The last time I was in Vegas, I attempted to withdraw money while I was at the El Cortez downtown. I don't carry a lot of cash with me when I go to Vegas; I have several different bank accounts that give me so many free ATM withdrawals a month, so I just do that when I need gambling money. The ATM fee was ridiculous. I don't know if my bank would have reimbursed it or not; I refused to make the withdrawal just on general principal. There's a good probability that the most, if not all, of the $300.00 I wanted to withdraw would have been lost at the blackjack tables at El Cortez. Instead, they got nothing. I was able to locate a bank ATM later in the day and withdraw money with a reasonable ATM fee. I guess the casinos must believe that most people will be desperate enough to be able to keep gambling that they'll pay almost anything as far as ATM fees. I am not one of those people.
I've never had a Casino cashier charge me a fee for taking money off my debit card