VERY IMPORTANT: Credit cards have a great deal more consumer protection than ATM or debit cards. You are liable for only $50 if your credit card is stolen and misused. Your entire bank balance is at risk if your ATM or debit card is stolen and misused. Consumer credit laws have not caught up with technology. Most banks will make you whole if your ATM card or debit card are stolen and misused, but they are not legally obligated to do so.
Correct. While overseas, an ATM dinged me for about $200.00 which it didn't deliver, and then went out of service a few minutes later (a Citibank machine in a third world country).
It took 6 months and many calls to get the money back.