Don't use that ATM! And don't do anything important on public WiFi!
When tens of millions of Target customers had their accounts compromised, hackers entered via Fazio Mechanical through its connection for remote billing and contract management. You should never, ever click on a link inside an email. Too few systems have two-factor or multi-factor authentication, other than banks. A new and booming form of fraud — up 700% since 2008 — is tax refund fraud. Do not use an independent ATM.