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I only use drive up atm's during daylight hours, always leave my vehicle in gear and always have my firearm in my lap. Head on a swivel until
My transactions are completed and my window is back up.
I do NOT use the drive-thru ATMs, EVER. In addition to the standard drive-thru lanes in the back of the building, my credit union has a card key entry system at the front door (where it's better lit, anyway). You swipe your debit card in a reader outside the front doors. It lets you into the vestibule, and the doors close behind you and lock. It has a lock-out feature so that no one else can come in, even someone else with a debit card, until you leave.I avoid those damn ATM like that. When I need to use one I park before the damn thing so I have plenty of room, get out and walk up to it. I am of course armed.
You conduct your business, and then when you approach the door, a sensor opens the door for you and you go about your day/night. Of course, I'm armed when I get out of my car to go up to the front doors, and my head is on a swivel both before entering (to see if anyone is lurking) and especially when I exit with my cash. I don't like the idea of being snuck up upon in a drive-thru lane where I am boxed in on at least two sides.

