An ATM-skimming device at Castle Hill copied her NAB Visa Gold Debit card details when she used one of the bank's ATMs on January 14.

Mrs Smith's and husband Shane's debit cards were refused for transactions the following weekend. She called the bank on January 18.

``They transferred me to the fraud department and told me an ATM-skimming device had been fitted to the machine,'' Mrs Smith said.

``They said my cards were cancelled on the 15th to eliminate any risk but hadn't called me to let me know.''

On January 22 the bank told the couple details from the cancelled card had been used to in attempt to make a $90 transaction in Britain that was declined.

Mrs Smith checked her account and found $100 was withdrawn at 10.27pm on the same day, from a Westpac ATM at Auburn.

The transaction also incurred a $2 fee for printing the account balance and a $2 fee for using a non-NAB ATM.

``I was so angry. These cards had been cancelled,'' Mrs Smith said.

``I spent half an hour on the phone with the fraud department, who told me they couldn't help me because it was an ATM withdrawal, not an offshore transaction. They told me to visit a branch and lodge an electronic dispute form.''

Mrs Smith received a letter from the bank on Monday, which said she was liable for the transaction and would not be reimbursed $104 because the correct PIN had been used .

``But if I couldn't use my card to withdraw money, how could anyone else?'' she asked.

Mrs Smith

was told on Wednesday she may be reimbursed ``as a sign of goodwill'' if she wrote to the bank.

``But I'm not going to accept goodwill, I rightfully deserve the money back,'' she said.

Despite receiving a new card, PIN and letter of card reissue on the same day, ``if someone raided my mailbox, I'd be back to square one'' Mrs Smith has refused to continue banking with NAB.