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Just once.
I was in college and it was a Saturday afternoon and I was taking the last $40 out of my account for gas and groceries. My car was below E and I literally had nothing more than flour and sugar to eat. The ATM got jammed. Didn't get a single penny. Lady behind me got her money just fine.
Contacted the bank the following Monday morning. Took them another day for them to reconcile the ATM and my account. That was the longest 3 day weekend of my life. I've since always kept an emergency fund of at least $10 in my car.
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