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Word: nondepositors (lookup in dictionary) (lookup stats)
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Usage:

...surcharges are particularly galling to pols and consumer groups because they seem to amount to blatant double dipping. For example, a nondepositor who pays $1.50 for ATM cash often pays his own bank a $1-to-$2 fee for the same transaction. Such fees more than cover the cost of the transaction, which opponents put at 27[cents] per withdrawal. Says Santa Monica's Feinstein: "The banks say there is no free lunch for a service, when in fact they are asking us to pay twice for lunch...

Author: /time Magazine | Title: The War on ATM Fees | 11/29/1999 | See Source »

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