I Just had the following phone conversation. My bank phoned me up and then asked me to confirm I was me
Bank: We will just need your address there
Me: Sorry I cannot give you that unless you confirm you are my bank
Bank: Well if you give us your address we will confirm it here
Me: Well if you give me my address I will believe you are my bank
Bank: Did you get the letter we sent you last week saying we would be calling?
Me: No I didn’t but that letter would not prove you are the bank calling now anyway
Bank: Ok then it must be in the post we will ring you back later when it arrives
Unless the bank proves to you who they are, or that the ATM you are using belongs to them, how are you supposed to have trust?