Have you ever had that long walk to an ATM just to realize that you forgot your ATM card? If you haven't been through that before, I can tell you that it is really frustrating.
Well, thanks to major banks like Wells Fargo, Bank of America, Chase, and many ATM networks operating thousands of cardless ATMs nationwide, you can withdraw money from an ATM even if you don't have your card on you. All you have to do is find these ATMs with their ATM locators and use your phone's NFC reader to withdraw your cash.
How To Find A Cardless ATM Near Me
If you're looking to make a cardless withdrawal, your best bet will be to locate a nearby ATM with the cardless feature.
So there are three ways to find cardless ATMs nearby:
1. Check Your Bank's Website or App
Most banks that offer cardless ATM services will have a locator tool within their app or website. This tool allows you to search for nearby ATMs compatible with cardless withdrawals.
Bank of America, Chase, and Wells Fargo all have an ATM locator tool available on their websites. You can use this tool to find cardless ATMs in your area.
This is the most straightforward way to use to find nearby cardless ATMs.
2. Look for Participating ATM Networks
Networks like Visa® or Mastercard® often offer cardless ATM options. Visit their websites to find participating ATMs in your area.
3. Search Online
We all have the availability of search engines and their different features. Sometimes a simple search can get you what you need in no time. If you're an iOS user, you can use Apple Maps, and if you're an Android user, you can use Google Maps with keywords like "cardless ATM near me" or "[your bank name] cardless ATM locator."
These simple searches should return something valuable to your query.
How To Use Cardless ATMs
Finding these cardless ATMs is easy, but using them can be something else, especially if you haven't had to use such ATMs before.
You can only use cardless ATMs if your bank offers the necessary feature to use them through its banking app. Otherwise, you'll need to use a digital wallet like Apple Wallet that supports cardless ATM withdrawals.
In essence, to use a cardless ATM:
- Start by going to the cardless ATM.
- Open your banking app and find a cardless withdrawal tab.
If you are using Apple Wallet, you can also open the Wallet app and select your card. - Place your phone on the contactless (NFC) reader of the ATM and verify your biometrics.
- Finally, follow the steps on the ATM to withdraw your cash.
I explained more about how these ATMs work in my post on how to withdraw cash from a credit card without the card itself.
What Banks Have Cardless ATMs?
Cardless ATMs are becoming increasingly popular. In fact, the Cardless ATM market is projected to grow from USD 2.55 billion in 2023 to USD 6.02 billion by 2032, exhibiting a compound annual growth rate (CAGR) of 11.30% during the forecast period (2023 - 2032)—according to a report by Market Research Future (MRFR).
Following this trend, a couple of banks have begun implementing this technology into their ATMs, allowing customers to withdraw funds through their digital cards in the bank's mobile app.
Three major banks have cardless ATMs, including Chase, Wells Fargo, and Bank of America. Nonetheless, a couple of other banks do offer this technology, but it usually varies by region.
For your convenience, here are some banks with cardless ATMs:
- Major Banks: Chase, Bank of America, Wells Fargo, Citibank, PNC Bank, US Bank.
- Regional Banks: Capital One, BBVA, Truist, Fifth Third Bank, TD Bank.
Cardless ATMs That Allow Apple Pay and Google Pay
If you're looking to use tap-to-pay mobile apps like Apple Pay and Google Pay at ATMs, you'd be happy to know that most ATMs from major banks accept cardless withdrawals from tap-to-pay apps.
With that said, Bank of America, Chase, and Wells Fargo cardless ATMs will allow you to do cardless withdrawals from your Apple Pay and Google Pay wallets.
Final Thoughts
Cardless ATMs offer a convenient and secure way to access your cash if you don't have your physical card on you. However, they can get very tricky to use, especially if you haven't used such ATMs before. Thanks to my experience with Apple Pay cardless withdrawals, I've explained how you can easily find and use these ATMs in case you've lost your card or forgot it at home.
