Which of these statements is NOT true? A password is a coded word or number used to provide security to the cardholder. It is a security measure offered by the bank. Surcharges are added fees for various services, so it is best to make sure what charges you incur when you use an ATM. If Wild Westbank, the ATM owner, levies a $1.50 surcharge, then your $20 withdrawal will appear on your receipt as $21.50, even though all you received was $18.50. The program to access to find out about your personal account balances is called an inquiry. Banks normally levy ATM surcharges only on customers of other banks.