maybe yes, maybe no...depends on your circumstances and previous usage history. if the recent card uses were totally out of normal for your spending habits then most likely yes as they should have caught the weird spendings and called you for verification before allowing any more use of the card. this saves them from people loaning their cards to acquaintances for use then reporting it stolen...the terms might be stated on your monthly statement sheets...in the fine print on the back side, if like my bank.

also, many atm's have camera's attached that function when machine is used along with any clerk cashing the card would be held liable for not asking for ID.