Emily Dickinson famously said "An Owner Draw is an Owner Draw is an Owner Draw" The method of an owner withdrawing money or having their business pay for their personal expenses does not change. A check, echeck, transfer from business banking direct to personal banking, cash out of ATM, it is all the same.
I would suggest that you could treat an ATM withdrawal temporarily as a transfer or deposit to Petty Cash or Cash on Hand account until disposed of. For convenience an owner will buy something for the business with cash and you would use the Cash account to record the expense. Anything left over is Draw
