ATM Style Input Fields for Currency

I am looking for best practices around how to design a UI for currency fields. I have been looking into ATM-style fields. This is when if you type in your value, it fills in cents first until you've hit a full dollar amount. My question is, when should you use ATM-style fields vs just regular input fields with potentially some input masking, such as adding in commas as the dollar value goes up. Does anyone have insight around ATM inputs? I see this being used in various places but cannot find best practices or when specifically to use/not to use.