I agree with the above comments, you used your JDLR ("just doesn't look right") sense and didn't assume it was a benign situation. I cut back greatly from my ATM trips by using an online bank app that allows check deposits; even smaller banks have this now, highly recommended.
"The bank was closed, and the parking lot was empty except for a 20 something guy on a bicycle hanging around the outside ATMs.
He looked a bit sketchy to me."
All that Spandex creeps me out too.
