Recently I noticed that banks began securing they ATMs against skimmers: ATMs display a picture of card reader with a message "Please make sure it looks like the one on the picture. If not, don't insert your card and call us."
To be honest, getting money from an ATM is one of those activities I do largely on auto-pilot. I couldn't guarantee I would actually read each screen, more I know what to look for and hit the big withdraw button!
Perhaps it's time to take a little more care with this particular activity.
Some of the skimmers i've seen pics of online are pretty darn convincing. I'm definitely going to try and keep a eye out and always try to be a little "rough" with the card slot at atms.
I remember reading in one of Bruce Schneier's books that some clever thiefs set up a fake ATM machine outside the Burlington Mall in CT. When people went to withdraw money, the machine recorded their credentials and then displayed an ambiguous error message.
You have to wonder how they got the information from the machine, as it would have been relatively easy for the police to watch it once someone figured out it was a fake.
I wonder if this works.