I regularly bike through the ATM lane at my bank. I have never had a problem. The ATM machine works just as well for a cyclist as for a driver.
Fast food ordering systems, however, do not always work for bicycles. At the fast food place I worked at, the speakers and microphones were activated by an induction loop under the pavement. Occasionally people would come through on bicycles, on foot, and in wheelchairs. We could see them on the monitor but could not hear them nor talk to them. Often times they would get irate and storm into the store or they would refuse to move and hold up traffic and we would have to go out and explain to them why it would not work. They usually did not believe us and got more irate until we threatened to call the police if they did not leave.