Apple Pay Now Available at Nearly 16,000 Cardless Chase ATMs

MacRumors

macrumors bot
Original poster
Apr 12, 2001
50,029
11,306



Chase, one of the major banks in the United States, today announced that customers can now use Apple Pay and other mobile wallet services at nearly all of the company's 16,000 ATMs, which have been upgraded with card-free access.

To access an ATM and withdraw money, customers no longer need a physical debit card or access code for authentication, with the contactless ATMs supporting a "tap" from a smartphone to use the ATM.


On its website, Chase walks users through the steps necessary to use the new ATM functionality.

For iPhone users, after adding a Chase card to the Wallet app on the iPhone, at an ATM, customers will need to open up the Wallet app, select the virtual Chase debit card and tap the iPhone on the "Cardless" symbol on the ATM, authenticating via Face ID or Touch ID.


A PIN code will need to be entered for verification purposes, so it's not quite as simple as a standard payment with Apple Pay, but it does prevent Chase card users from needing to pull out a physical card.

Chase says that cardless ATM access is available to all customers with a Chase debit or Liquid card that's been added to Apple Pay, Google Pay, or Samsung Pay. All Chase ATMs with the Cardless symbol support Apple Pay.

Chase first announced plans to update its ATMs with contactless money withdrawals in 2016, and has since then been rolling out the technology. Today's update suggests the rollout is nearly complete and available to most Chase customers.

Both Wells Fargo and Bank of America, Chase competitors, have also been rolling out card-free Apple Pay access to ATMs. Wells Fargo added Apple Pay support to over 5,000 ATMs last year, while Bank of America began implementing the feature in 2016.

Article Link: Apple Pay Now Available at Nearly 16,000 Cardless Chase ATMs
 

macduke

macrumors G4
Jun 27, 2007
11,080
14,910
Central U.S.
I can't even remember the last time I used an ATM. If I get birthday money that small amount is more than enough to last me the entire year for cash only purchases.
 
  • Like
Reactions: Blackstick

Relentless Power

macrumors Nehalem
Jul 12, 2016
34,386
35,517
I can't even remember the last time I used an ATM. If I get birthday money that small amount is more than enough to last me the entire year for cash only purchases.

What? You get Birthday money Macduke? Lucky.

Anyways. Completely agree. The only time I used an ATM is if I needed cash for a small purchase, otherwise Apple Pay (More specifically with the Apple Watch) is so convenient and has become a necessity in most applications.
 

justperry

macrumors G4
Aug 10, 2007
11,034
6,906
I'm a rolling stone.
Whats the use of this if you still need your PIN!

Yeah, got it, otherwise a thief can point the phone at your face and withdraw money, I have no need for this, I rarely get cash from an ATM and have my cards with me inside a pocket in the iPhone's case so there's that.

And if I tap my case against the POS it will also work, less work than ApplePay, and here in Europe there's no security risk, if there's fraud we won't have to bear the costs, no money lost.
 

lunarworks

macrumors 68000
Jun 17, 2003
1,972
5,204
Toronto, Canada
TD just replaced all their ATMs in the past few years, so I don't expect this anytime soon. On the upside, their ATMs dispense all denominations of bills now.
 

k2director

macrumors regular
Jan 2, 2006
120
165
I used my phone at a Chase ATM this morning! It was early, so I used the phone to open the branch door and then to use the ATM (you still have to type in your pin, which makes sense).

I was thinking "I didn't know Chase did this...." and now I know it just started.
 

Will.O.Bie

macrumors 6502
Aug 29, 2016
427
1,098
Cash? What's cache? :D

I frequent enough establishments that offer Apple Pay that I have no need for cash anymore. If they didn't, I'd just use a credit card I use solely for non-Apple Pay stores. I refuse to use my debit card because of my paranoia of thieves emptying out my $12 in the bank. The day I get a driver license I can add to my Wallet, then I'll be set.
 

macduke

macrumors G4
Jun 27, 2007
11,080
14,910
Central U.S.
What? You get Birthday money Macduke? Lucky.

Anyways. Completely agree. The only time I used an ATM is if I needed cash for a small purchase, otherwise Apple Pay (More specifically with the Apple Watch) is so convenient and has become a necessity in most applications.
Haha yeah all of my grandparents are still living so that's a thing. Lots of generational teenage births in my family led to this but fortunately I broke the tradition by waiting until 29.

As for Apple Pay I just wish it would expand even more. I get so used to using it everywhere on the college campus I work at (even vending machines which is bad for me!) but from what I can tell there are no grocery stores anywhere in the entire state that accept it along with a lot of random stores. It's like "Oh, there's a wireless icon. Nope don't work. Oh, I'll stick my chip in. Nope, it's not enabled. I guess I'll have to swipe. Oh let me turn it around I swiped it the wrong way. Oh, it didn't recognize it. Swipe again. Got it. Now I have to touch this disgusting display with my fingers and grab this pen and try to sign it. Oh the pen doesn't seem to be working. Oh, I'm holding it wrong? That's what Steve said. Ok, got it. I guess I'll shove this mile long receipt into my bag." HAVE A NICE DAY.
 

macduke

macrumors G4
Jun 27, 2007
11,080
14,910
Central U.S.
For deposits! This is a welcome feature.
Oh, I just use my bank's app to deposit checks. My wife runs a daycare so I'm always scanning in checks. My bank used to charge a small fee for this but it's now free. You should look into whether your bank offers this for free because it's super useful.
 
  • Like
Reactions: artfossil

nibfiledotcom

macrumors member
May 3, 2015
48
422
Columbus, OH, USA
Strictly speaking, in the lexicon of Apple technologies, this isn't "Apple Pay," it's just "Wallet." You have added your Debit card (note: Credit cards won't work at this time) into your iOS Wallet, and you're now presenting it so that it can be scanned by the NFC reader in the ATM machine.

The use of "Apple Pay" would imply going one step further; using that card to actually fund a transaction at a point of sale.

The two terms go hand-in-hand, so yeah, I'm being pedantic, but there's definitely a distinction.
 

dontwalkhand

macrumors 603
Jul 5, 2007
5,449
1,574
Phoenix, AZ
Strictly speaking, in the lexicon of Apple technologies, this isn't "Apple Pay," it's just "Wallet." You have added your Debit card (note: Credit cards won't work at this time) into your iOS Wallet, and you're now presenting it so that it can be scanned by the NFC reader in the ATM machine.

The use of "Apple Pay" would imply going one step further; using that card to actually fund a transaction at a point of sale.

The two terms go hand-in-hand, so yeah, I'm being pedantic, but there's definitely a distinction.
The credit/debit card system inside of Wallet is called Apple Pay.
 

linkmaster02

macrumors member
Apr 14, 2009
66
196
I'm so happy about this! The ONLY time I use my Chase debit card is to withdraw from ATMs, but I always carry the card with me just in case. Now I can leave it at home. Good riddance!
 
  • Like
Reactions: GristlyBear

nibfiledotcom

macrumors member
May 3, 2015
48
422
Columbus, OH, USA
The credit/debit card system inside of Wallet is called Apple Pay.

Per Apple's website:
With iPhone 6 and iPhone 6 Plus or later, you can add credit, debit, and prepaid cards to Wallet to pay for purchases using Apple Pay.

It's a subtle distinction, and I'm also looking at it from the perspective of an iOS developer who works with these technologies extensively, so my perception is certainly different from the average consumer.

From that purely technical standpoint (and as Apple's text above indicates) "Apple Pay" involves the provisioning of payment cards into your Wallet, and the use of those provisioned cards to make payments. There are Apple-Pay-specific services and mechanisms that kick when you do those things; however, the act of simply showing the card doesn't involve those... it's absolutely no different from any other (NFC-enabled) PassKit pass.

Definitely not faulting anyone for seeing it differently, because the technologies are virtually inseparable.
 

jona2125

macrumors 6502a
Jul 12, 2010
780
648
As for Apple Pay I just wish it would expand even more. I get so used to using it everywhere on the college campus I work at (even vending machines which is bad for me!) but from what I can tell there are no grocery stores anywhere in the entire state that accept it along with a lot of random stores. It's like "Oh, there's a wireless icon. Nope don't work. Oh, I'll stick my chip in. Nope, it's not enabled. I guess I'll have to swipe. Oh let me turn it around I swiped it the wrong way. Oh, it didn't recognize it. Swipe again. Got it. Now I have to touch this disgusting display with my fingers and grab this pen and try to sign it. Oh the pen doesn't seem to be working. Oh, I'm holding it wrong? That's what Steve said. Ok, got it. I guess I'll shove this mile long receipt into my bag." HAVE A NICE DAY.


I've been spoiled by MST with Samsung Pay for that reason. I've tried so hard to use Apple Pay but it's so rare there's a chance I get to make use of it. I hope one day I can make use of just one device all in one.
 
  • Like
Reactions: groadyho
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.