Bums are turning Bay Ridge bank vestibules into their personal bedrooms and now locals are too scared to use the ATMs.

Vagrants sometimes set up full-blown bed chambers – sleeping bags, pillows and assorted belongings – in Chase and TD Bank branches on Fifth Avenue, said Brooklyn veteran Chris Morales, 39.

“People have to step over them to get to the ATMs,” he said. “I see homeless guys sleeping at those banks almost every night. It’s not safe for people to go in there alone, especially because they know you’ve got twenties in your pocket.”

“Since it started getting cold it’s been worse,” said Frank Shama, 41, a Western Union teller who was banking at Bank of America on 86th Street and Fourth Avenue. “They need somewhere warm to go, but it shouldn’t be a bank.”

Locals claim the homeless have set up camp in eight banks clustered around Fifth Avenue in the neighborhood over the last few months. At least five were reported to the community board.

“We’ve had some chronic recurring homeless complaints,” said Josephine Beckmann, 48, the district manager of Community Board 10. “People feel unsafe and uncomfortable withdrawing funds because of them.”

Beckmann received a complaint on Wednesday about a man sleeping in a Chase vestibule on Ridge Boulevard and Bay Ridge Parkway. When The Post went to investigate around 2 a.m. Thursday, a man in a blue jacket was curled up for the night.

“Give me ten dollars!” snapped the man, who was missing several teeth. “A few dollars isn’t enough! Give me ten.”

The homeless have also settled in Alma Bank on Fifth Avenue and 85th Street; Roosevelt Savings Bank on Fifth and 81st; Dime Community Bank on Fourth and 86th and HSBC on Third Avenue and 92nd Street, authorities said.

A Capitol One on Fifth and Ovington Avenues had such a problem it hired a nighttime security guard to staff the vestibule.

“Customers were … complaining about homeless people smelling bad and sleeping here,” said a guard named Ron.

“One guy was particularly bad. He had his own debit card and he’d get wasted and pass out,” he added.

Beckmann believes Bay Ridge may be a welcome destination for the destitute because it’s a family-oriented, low-crime neighborhood.

“The homeless tend to be attracted to places that are safe and Bay Ridge is one of the safest in the city,” she said.

The commanding NYPD officer of the 68th precinct “is aware of the condition and is addressing it,” said a police spokesman.