Hi Beth 
thanks for updating us on current policy. I do think, though, that it might be worthwhile looking at it again.
I might be in the minority, but I’d usually expect my bank to pick all this up and make it easy for me. I can imagine the frustration - I recall a different situation (not related to ATMs) - but it was the institution that looked after me, took responsibility and gave me great customer service that wowed me, even though they ended up being the party at fault.
Similarly, I vaguely remember a similar situation years ago where an ATM under paid me. A quick message to my bank and I remember it being sorted within the week.