The automated teller machine (or money machine) is everywhere. It is virtually impossible to run out of cash nowadays, as long as you have funds in your bank account.

Forgot your lunch today? Stop at the ATM on the way to work.

Need $20 for the movies or fast food? Hit the ATM!

Gotta have $50 for dinner with a friend? Grab the greenbacks at the nearest ATM.

These ultra-convenient teller-in-a-box units can be found in grocery stores, shopping malls, and even on street corners. In addition, many bank branches offer drive-up ATMs for handy hurried transactions.

Of course, with this banking courtesy, you can always find folks who will act discourteously, thoughtlessly, and outright ridiculously. Here are a few of my favorite examples:

NOT-READY-NETTIE

She pulls her sedan right up to the ATM station and parks. She switches off the ignition in her car. Then she rummages through her purse for her banking card. Next, she opens the glove compartment to look for her little note containing her personal identification number (PIN). Finding it, she opens her window to begin her transaction.

About ten minutes later, she pulls her banking card and her $20 out of the machine. She puts her key back into the ignition of her car, starts the engine, and pulls away, leaving a long line of irate drive-through customers in her wake.

CHATTY-CHARLIE

This guy zooms into the drive-up lane at more than 45 miles per hour, driving with his knees and talking on his cellular phone. He screeches to a halt, inches behind the bumper of the preceding car, which actually rocks from the wind momentum his car transmits. When his pathway is clear, he pulls up to the ATM and begins his transaction. As he waits, with his car window open, he broadcasts his entire telephone conversation to the tri-county area.

BROADCASTER-BOB

This guy is probably CHATTY-CHARLIE'S son or nephew. He veers into the drive-up lane on two wheels in his souped-up sportster with dark tinted windows. Those around can hear a faint rumbling and pounding, as he arrives. Once he reaches the ATM, he lowers his car windows, and regional residents can be certain that it is not an approaching storm they heard, but only his automotive sound system.

REBECCA-REPARKER

This little lady drives a super-sized suburban utility vehicle (SUV). She used to have a minivan. As she arrives at the banking lane, she cranes her neck to see over the steering wheel hub. Suddenly, her vehicle leaps up over the

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