ATM is actually an interesting movie that has a nice guy, a nasty guy, and the cute girl that they both have a crush on. At her going away party, he finally gets up enough nerve to invite her out and decides to take her home, and icky guy decides he has to go with them and has no money, so they have to stop at an ATM. What then ensues is kind of a horror story. I thought this was actually fresh and interesting and very smart. Not a cheery movie but an interesting one, so I would give it three and a half stars.