That's because next month Microsoft will no longer provide security updates for Windows XP.
Inside every ATM machine is a computer with Microsoft security that protects your card.
Once that security ends your banking information could be available to hackers.
Like many banks, Pony Express Community Bank is already working on ways to keep your information safe.
"Currently, we're evaluating our options on which is best for us to upgrade our ATM's whether that be purchase new or upgrade the existing one's that we have," said Luke Moore, Vice President of the bank.
Moore says every ATM machine would cost $25,000 to replace.
But experts say it's too soon and customers shouldn't freak out.
"The truth is there's so many protections for people that it's probably not something to be worried about," said Dan Danford with Family Investment Center.
But, it will take time to update every ATM machine manually.
Since most machines are no longer made and there's an ATM machine on nearly every corner, the process could be delayed.
"50% of the ATM's in the United States, there's going to be a bit of a back log on that as well there's only so many machines and so many repair and replacement people and installation people that can get that done," added Moore.
Experts say on a local level, the impact will be minimal.
"The targets will be the larger institutions that deal with more consumer data," added Moore.
"It kind of reminds me of the Y2K thing 15 years ago where everybody was scared that their computers were going to crash or something and it never happened," said Danford.
Microsoft will end its tech support for all ATM's on April 8th.