If the bank caused you losses do to its negligent, or careless, actions and will not voluntarily compensate you for those losses, you may be able to sue the bank to recover compensation. You would need to prove in court, by a preponderance of the evidence (i.e. that it's "more likely than not") that 1) the bank was negligent or careless--for example, there was something wrong with its ATM or its processes/procedures; 2) that negligent act caused your loss; 3) the extent of the loss--e.g. fees or penalties you had to pay, orders provably canceled due to the problem, etc.