A: I'm sorry, but your card was declined.
B: This is my ATM card and I know I have money in my account.
A: Maybe you have less money in the account than you thought.
B: I just checked my balance this morning.
A: Your account may have been frozen.
B: Why would the bank do that?
A: You should contact your bank.
B: How else can I pay for these items?
A: Do you have a credit card?
B: I can write you a check.
A: If it's from the same bank account as your ATM card, then I can't accept that
B: I guess I can't go shopping today then.