Multiple condition testing requires each possible combination of conditions to be tested, whereas modified condition/decision testing (MC/DC) requires each condition to be shown to independently affect the outcome.
In the case of the ATM withdrawal, TC 3 (Customer does not have sufficient funds and credit has not been granted) would not result in the machine paying out, which is a result of applying multiple condition testing.
However, for MC/DC, this test case would not be included because it doesn't provide an independent assessment of either condition's effect on the decision since both conditions are negative and the outcome is as expected (no payout).