Final answer:
Customers using off-premises ATMs are usually charged higher transaction fees because these ATMs are often operated by third-party companies that charge additional fees. They typically do not offer better security features than on-premises ATMs.
Step-by-step explanation:
Customers using off-premises ATMs are generally faced with option a) Usually charged higher transaction fees. These fees arise because off-premises ATMs, which are typically located away from the bank premises such as in convenience stores or airports, may be owned and operated by third-party companies. These companies often charge additional fees to users, on top of what their own bank may charge for using a non-network ATM.
It is less common for off-premises ATMs to provide option b) better security features than those found at on-premises ATMs. The primary concern for most consumers when using off-premises ATMs is not related to privacy or withdrawal limits but the convenience of accessing cash and the accompanying fees. However, customers are always encouraged to be vigilant about their safety and privacy when using any ATM.