Nope, just a faceless computer to send you a letter telling you how poor you are
When I started at Barclays I worked on the ATM team developing the softwere you see running on Barclays ATMs today. One of the things we 'played' with was having the ATM play a sound file of a man laughing when you tried to withdraw money if you were overdrawn. Unfortunately the bosses weren't impressed.(Oh and the PCs in the real ATMs don't have soundcards
)