Three colleagues get trapped at an ATM in cold weather since a strange man is watching them. The mysterious killer manages to keep the 3 inside while eliminating a stranger and a cop. Score was apt for the intense violence, camera angles were done in well and the unnamed stranger was creepy. Everything falls apart such as the lack of ingenuity in the screenplay, lackluster performances, terrible character development and its overall motive. Countless queries were never addressed such as the ludicrous romantic development in a tight situation, real intent of the killer, outcome of the protagonist, and many more. Was this created to just scare audiences? It had a few moments but overall ATM is no Phonebooth. Viewing this will just keep you guessing and make you perplexed with unanswered aspects of the flick. Which in effect is more horrifying than the film itself.