PSA...Do you have a bank account which you use regularly? Do you deposit fund into it and use your debit card for multiple transactions? Me too.
I am sure that like you this has been going on for many years confident in the banking system. However, I have since learned just how vulnerable we are. 
Are you a criminal? Do you think like a criminal? Do you know any criminals? Like you, my answer to all these questions is NO! So how am I suppose to know how this fraud against my account through an ATM happened?
Listen to what has transpired over the past 6 months in my quest for the return of funds lost through NO fault of my own.  If this happened to me, can it happen to you?