Circuit Split On ATM Stickups Over the Real Victim: You or Bank?

If someone is held at gunpoint and forced to withdraw money from an ATM, is the bank being robbed (a federal crime) or just the person (not a federal crime)? Seventh Circuit (2005): The bank - because the money belongs to the bank. Fifth Circuit (2005):  The person - because the money belongs to the account holder. Tenth Circuit (last week): Bank - because the money belongs to the bank.