Forty-five percent of consumers surveyed recently claimed they would switch banks if their banks' ATM networks proved unreliable, according to Level Four Americas LLC, manufacturer of Bridge ATM software. Another 28% say they would be "very likely" to switch banks if their networks proved unreliable, according to the survey, which Harris Interactive of London conducted in early July for Charlotte, N.C.-based Level Four. However, one observer finds it unlikely consumers would change banks because of ATM malfunctions. Bank ATM networks, which "operate 99.9% of the time," are reliable, says Leon Majors, president of Salisbury, Md.-based Phoenix ESP Payments Research Group. "The only time individual ATMs in a network are down is to balance transactions–deposits and cash withdrawals."