No, seriously, the ATMs do 'close' in the late afternoon once their money runs out, it was not because we were over drawing.On our first day, we had a driver to drive us from Delhi airport to Agra, he dropped me at two ATMs (one Citibank, the other a local bank) on the way.The guard at the Citibank ATM told me to try again the next day, the other one was standing outside the booth and just waved us away so we didn't even get out of the car.