Without going into personal experience, there seem to be some major frauds going on lately regarding ATM scams. Not minor, mind you, but in the tens of millions of dollars kind of scams. And I've noticed several news sites seem to be corroborating increasing frequency of such schemes going on worldwide. If the banks can't seem to control this type of activity, that does not bode well at all. This is no joke, and represents a major risk to everyone.