ATM  is a horror film by David Brooks in which three co workers are held under siege by a man in a fuzzy hooded coat in a random ATM vestibule.

The film really only has semi-recognizable faces in it. Josh Peck (The Wackness and Red Dawn) plays the douchey best friend. The other two are your general "cookie-cutter" characters. The main role of David (played by Brian Geraghty...astute moviegoers may remember him from I Know Who Killed Me) is your typical loner, though not by choice, who comes across very forgettable. While Alice Eve (the web-footed chick from She's Out of My League) plays Emily, the love interest. Both Emily and David come off kind of awkward in their scenes together because of their timid apprehension motivated by how they feel the other may respond to an act of affection.  
The film starts off as your typical horror color-by-numbers, never straying from the formulaic predictability. David's character feels like a love sick puppy dog, having a school boy crush on the female lead, who is planning on leaving the office where all three work. So Peck goads David into making a move before it's too late.
All three coworkers head home together after their company Christmas party, but decide to make a seemingly quick stop at a random ATM machine along the way. Once all three characters are in the vestibule, the killer makes his sudden and mysterious appearance. Kind of standing directly between the group and their vehicle while the temperature continues to drop, causing the trio to stress and panic at the predicament they find themselves in.
The killer's intentions to murder everyone are pretty clear after the first death scene, which comes across pretty cheesy and unrealistic, as does most of the first portion of the movie. As a horror film, which it is tagged as, it is very underdeveloped and the pace was unbalanced. It was your basic horror cliché, group of a people make a seamlessly harmless stop and unknowingly fall into the trap of a psychopath. Which all events could have been avoided if they had done some logical thinking. But that's only if you look at this as a horror fick. The killer's motives are never truly explored, as well as the reason he exists.
The film feels like a thriller in the sense that you're not watching the film to get scared, but more so following the story to see what happens next. The ending, without giving anything away, is a prime example of how it could be viewed as a thriller. Viewed as a horror, the characters feel flat and one dimensional, but as a thriller you're given enough information to leave you scratching your heads and wanting answers that may or may not arrive.
The best part of the movie is the final few minutes in which the killer's true attack is revealed to the audience. Credit goes to the editing team for sort of saving the film from complete failure. What I didn't like was that the slow pacing in the beginning made it difficult to care about the perile the characters were in. The fear level was really minimal and, to me, really had only one OMFG moment.
I cant stop praising the ending of this film. If it wasn't for the fact that you have to sit through the first two thirds of the movie, I would recommend ATM  to everyone just to witness the ending.
Thanks for reading,

Johnny Deviant