Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Pay Now Available at Nearly 16,000 Cardless Chase ATMs
- Thread starter MacRumors
- Start date
- Sort by reaction score
Why can’t I use my ATM card?! Why does everyone always have to get one of your scammy debit cards? A regular ATM card should suffice!!!
Difficulty browsing for the phone/app? It’s literally a double press of the side button (iPhone X) or a double press of the home button (other iPhones).
I much prefer WellsFargo's mechanism, whereby their app (after authenticating the user via TouchID or password) generates a one-time-use passcode to access the ATM. Still need the ATM PIN as well.
I very specifically do not carry my bank debit cards. I extend that to not putting them in ApplePay more as matter of principle than for any specific reason.
[doublepost=1533149560][/doublepost]
Fixed that for you. Some folks very specifically don't carry their debit cards. I never ever use one to pay for anything, and use it only for ATM access -- which happens maybe one or two times a month.
I very specifically do not carry my bank debit cards. I extend that to not putting them in ApplePay more as matter of principle than for any specific reason.
[doublepost=1533149560][/doublepost]
Fixed that for you. Some folks very specifically don't carry their debit cards. I never ever use one to pay for anything, and use it only for ATM access -- which happens maybe one or two times a month.
Was excited until I realized it's more difficult than using my debit card -_-
Whatever, not like I'm going to the ATM more than once a week anyway.
Whatever, not like I'm going to the ATM more than once a week anyway.
As a practical matter, you still need an ATM/Debit card to make purchases as some places still don't take Apple Pay (I'm looking at you, Home Depot!)
Tim Cook announced on the earnings call yesterday that CVS will be (finally) taking Apple Pay later this year. Great news, since I'm in CVS at least once per week. They've been another troublesome holdout, and I'm glad to see they are finally getting on board and dropping their idiotic CVS Pay system. I wouldn't be surprised if CVS Pay was scrapped as part of the deal with Aetna. Good riddance!
Last edited:
Must depend on where you live and shop. Many of the places I shop support ApplePay -- and the places that don't support ApplePay don't show any indication of supporting Samsung/NFC either.
It should have been standardized with solid encryption and full digital receipts. The back end middle man (Apple, Samsung or whatever) should be swappable depending on device manufacturer, as well as the device security method employed (so Apple could still use secure enclave, but the communication protocols with payment devices would have been standardized). If there was only one tech standard from the beginning, it would be a lot more difficult for big companies to resist it. Once again there was an opportunity to start from the beginning with standards and companies messed it up.
I wished Schwab would let me just have a regular ATM card, instead of one of those debit ones. It's the debit feature that keeps me from carrying it with me all the time.
My ATM/Debit cards rarely leave the house and I never use them anywhere other than their respective bank.
Otherwise, I use a credit card and get the cash back. Everything is paid off on a biweekly basis and no balances carried.
I missed that. Finally. I live at cvs these days as it’s on my walk home from the office.
What I mean is that Samsung uses not only NFC but also MST which provides the signal your card does and lets you use it anywhere you can swipe a card. It's a great feature.
Yeah. I've been waiting for my Chase Business Ink card to work for what seems like years now. I wonder if it will ever happen for business credit cards and now ATM cards.
Interesting. I hadn't kept up with Samsung devices, thanks. I guess they must present the card in such a way that it doesn't force using a the chip reader.
I keep a primary credit card in my wallet (citi 2% cash back), as well as a backup (Sams club credit card). For ApplePay I usually use my watch not phone, which is even easier than either wallet or phone in most cases since I simply double-click the side button on my watch to activate AP, and can swipe the face to choose a different card than the default if I wished to do so for some reason.
Side note - Walgreens enabled their loyalty card in ApplePay on the Apple Watch. Just have to swipe over to it. No need to pull out cards or phones.
Last edited:
I don't know about where you live, but I definitely need the card. Plenty of places randomly only accept debit card, including gas stations! Also the bank teller requires it if you go inside. It's so thin anyway, so leaving it at home is totally not worth the risk or the thought of "do I have my card on me at the moment."
[doublepost=1533151495][/doublepost]
This, and also you need your wallet out anyway to put the money in. It's taking one thing out of your pocket vs taking two things out. So I can't see how using the phone is not strictly harder.
Weird. Definitely not the case where I go here in Atlanta. Every place takes credit if they take cards at all.
Yeah that's a pain. Though since I only need to actually go inside maybe twice a year it's not been reason enough to keep my card with me on a daily basis.
Interesting. I hadn't kept up with Samsung devices, thanks. I guess they must present the card in such a way that it doesn't force using a the chip reader.
I keep a primary credit card in my wallet (citi 2% cash back), as well as a backup (Sams club credit card). For ApplePay I usually use my watch not phone, which is even easier than either wallet or phone in most cases since I simply double-click the side button on my watch to activate AP, and can swipe the face to choose a different card than the default if I wished to do so for some reason.
Side note - Walgreens enabled their loyalty card in the Apple Watch. Just have to swipe over to it. No need to pull out cards or phones.
Yes it's essentially the same token system as using the chip in a card but through the stripe reader. I think anyways I just know I hold my watch up and payment goes through right away. It's been great for vacations especially.
With this feature I have no reason to carry ATM/debit cards at all. I do carry at least one credit card at all times, though, for the reason you mention. The only logical reason to use an ATM/debit card is to obtain cash from an ATM. Other than that I'd prefer they didn't leave my house.
Debit cards are less safe than credit cards since the consumer protection is weaker and the money is taken directly out of your checking account (see e.g. here for more information). For that reason I usually don't carry a debit card. Another advantage of using Apple Pay at ATMs is that there is no risk of skimming.
I agree that you need another method of payment besides Apple Pay, but this new ATM feature means you don't have to carry a debit card with you. The issue isn't so much about having to carry the piece of plastic, it's about running around with an unsecured card that's directly linked to your bank account.
It's just a bad idea to use debit cards for payments. Credit cards are much safer.
Two others:
#1 - utilize human teller or other bank branch services such such as foreign exchange
#2 - make cash deposits, or make check deposits in excess of your mobile deposit limits.
Again, sufficiently rare occasions that the debit card stays at home.
Since WellsFargo instituted their cardless ATM system via their phone app, I've not had to carry my debit card except the rare occasion I need to do either #1 or #2 above.
Well this isn't true, for the reasons I listed. There are things that only the debit card works for. Also, it's not unsecured. It requires a PIN, and it's got some kind of fraud protection, though not sure exactly what.
I accept that you frequent places that don't take credit cards. I've yet to ever find one of these, but we're on opposite sides of the country so there's that.
As for fraud protection, I believe most banks do provide some degree of protection. I had a coworker have her debit card compromised a couple years ago, apparently at a restaurant.
The actual getting-the-money-back from the bank wasn't a huge deal for her though it took a couple days. What surprised me though was the several hours she spent on the phone with the various other places where she'd had payments bounce because her bank account was empty. It was all a huge hassle and time-sink.
I've had credit cards compromised a couple times. In one cases the issuer called me to ask if I'd made a particular transaction; in another case I spotted a bogus charge on a bill and contacted the issuer. In both instances it was quite painless and I had a replacement card in a couple days.
And for those who don't have an X, you can easily access it from the control center.