*sigh* It seems that the discrepancy in my checking account was my bank's fault, not some dumbass who likes to steal from people. Though I think I'm still going to change my PIN, just in case. And I'm never depositing checks in ATMs again, no matter how convenient it is.
I just checked my balance online, and it's back to normal, thank God. Now I can actually buy a new wool coat rather than freezing my ass off this winter with the old one.
(Sometimes I wish I were Vetinari, so I could be ironical at people and hang them over scorpion pits.)