She pressed 0 four times, yelled “representative” into the receiver, and was eventually told she’d need to verify her identity with her phone’s mobile banking code. The same mobile banking she’d never set up because she “didn’t trust phones with money.”

Access granted.

“No,” she whispered. “No, no, no.”

Maria stood at the ATM on a windy Tuesday afternoon, inserted her card, and stared at the screen.

Enter PIN.