Wells Fargo Adds Apple Pay Support to More Than 5,000 ATMs

Discussion in 'MacRumors.com News Discussion' started by MacRumors, Oct 10, 2017.

  1. MacRumors macrumors bot


    Apr 12, 2001

    Wells Fargo today announced that NFC functionality is now available at more than 5,000 of its ATMs across the United States.


    The technology enables customers to initiate an ATM transaction by holding their smartphone or wearable device with mobile payment functionality near an NFC-enabled ATM terminal and inputting their PIN.

    Supported digital wallets include Apple Pay, Android Pay, Samsung Pay, and the bank's own Wells Fargo Wallet for Android.

    Customers that have added their Wells Fargo debit card to Apple Pay, for example, can simply hold their iPhone near the ATM, enter their PIN, and complete a transaction, with no physical plastic card required.

    Wells Fargo said it plans to upgrade the rest of the company's more than 13,000 ATMs with NFC by 2019. NFC-enabled terminals are marked with the universal contactless card symbol.

    Earlier this year, Wells Fargo launched a separate one-time access code feature that lets customers authenticate at an ATM by entering an 8-digit code generated from the Wells Fargo app, along with their PIN, for card-free access.

    Bank of America also began rolling out Apple Pay support for withdrawing cash from hundreds of its ATMs last year.

    Article Link: Wells Fargo Adds Apple Pay Support to More Than 5,000 ATMs
  2. iapplelove macrumors 601


    Nov 22, 2011
    East Coast USA
    Man I wish more places I shop at would take Apple Pay.
  3. GaryMumford macrumors regular


    Jul 25, 2008
    Why do you need to enter a PIN, Is TouchID not good enough?
  4. fireguy286 macrumors 6502


    Sep 15, 2014
    NY'er trapped in Philthadelphia
    It's the same for debit transactions at Point of Sale right now for Apple Pay as well. Touch ID authenticates the card, PIN still required for the transaction, just like it would be after chip insert / swipe.
  5. daveak macrumors 6502

    Jun 28, 2009
    Durham, UK
    This most likely has nothing to do with ApplePay and is generic contactless support, not knowing if it is ApplePay or just a normal bank card it will ask for a PIN.
    --- Post Merged, Oct 10, 2017 ---
    Really? Any where other than the US that does that? Certainly doesn't happen in the UK, defeats part of the whole point of contactless.
  6. yanksfan114 macrumors 6502

    Jul 30, 2011
  7. mlody macrumors 6502a

    Nov 11, 2012
    Windy City

    I am with you on that! I have been a fan of ApplePay since it came out, but the reality is pretty brutal. There is still a majority of stores that we go to that do not accept it and no idea when or if they will ever; Target, Costco are the two major one that we shop a lot. I am a big fan of Panera Bread, but their self check-out kiosks do not have Apple Pay. Corner Bakery and Chipotle also do not have it. And forget about mom and pop local stores :(

    So far the only places where we were able to somewhat reliably use Apple Pay are:
    Jewel-Osco (seldom shop there),
    Starbucks (does not take Discover card for some reasons via ApplePay, but Visa works)
    Macy's (hit or miss, one day it works, another day does not)
    Apple Store

    I will keep trying to use ApplePay anywhere I see a reader that might work. Once place that surprised me one a local car dealer where we service our cars.
  8. eagleglen macrumors 6502a


    Oct 2, 2009
    Phoenix, AZ
    Finally some news from Wells Fargo that doesn't make me regret not cancelling my account. The rollout seems kind of slow if it takes until 2019 to complete. Also, I'm not bothered that I'll have to re-enter my PIN. During purchase transactions some merchants require your PIN, which I find redundant and annoying, but where direct access to my account is concerned, it doesn't seem as burdensome, IMO.
  9. kimnkk macrumors member


    Jan 22, 2007
    Me!bourne, Australia
    Will this work for my Chase debit card through Wells Fargo ATMs?
    I heard Bank of America ones only work with BoA debit cards.
  10. mlody macrumors 6502a

    Nov 11, 2012
    Windy City
    My wife's parents use (for some odd ball reasons) PNC bank. Since I help them a lot with banking, my jaw drops ever time I need to either use their website or mobile app. Their online services are a decade behind the competition (Chase, BOA, Discover), so I wouldn't count on NFC readers in their ATMs anytime soon.
  11. iapplelove macrumors 601


    Nov 22, 2011
    East Coast USA
    Yeah that’s my biggest gripe with Apple Pay. Some pos sales still require a pin. If I run my debt card as credit and don’t need cash back the system should allow the purchase to be authorized without entering my pin.

    No different than swiping.
  12. JohnApples macrumors 65816

    Mar 7, 2014
    This is something that I really want to see implemented at my bank’s ATMs (Huntington).

    Ever since my debit card got stuck in one which caused my transaction to be cancelled (yet the money disappeared from my account anyway), I’ve not trusted ATMs. This will make it at least a little better.
  13. Sasparilla, Oct 10, 2017
    Last edited: Oct 10, 2017

    Sasparilla macrumors 6502a

    Jul 6, 2012
    If Wells Fargo didn't have such bad corporate operations (towards their customers and employees) I might consider moving to them, but with all that has come out over the last couple of years, no thanks - even with ApplePay (which I constantly use).

    Have noticed alot of smaller stores that have new terminals just have wireless built in...I first saw this at Subway, but have seen the same little silver terminal at little shops since and its wireless just works. Also did a gas station (Marathon) yesterday with wireless / Apple Pay - that was nice - had Meijer like that too (my Target replacement since it has ApplePay). Jewel for the grocery store, I've got most of my bases covered.

    I think the wireless enablement will be a drip, drip process as smaller stores replace their terminals.
  14. kingtj macrumors 68020

    Oct 23, 2003
    Brunswick, MD
    Yeah.... the lack of places accepting Apple Pay, plus the unreliability of some that claim to accept it, is ... well..... unacceptable!

    I've found that the only times I really use Apple Pay are via iOS apps that let me do so in the apps themselves (like the way the Starbucks app lets you reload the card via Apple Pay).

    That's primarily because I grew tired of holding up lines at stores and looking like an idiot when I tried to wave my phone over some reader that refused to function properly and had to pull out a regular credit card anyway, after the clerk tried multiple things and wasted everyone's time. That happened to me while trying to pay for concessions at a rock concert we went to see at Jiffy Lube Live in VA last year, and at more than one Subway restaurant.

    My wife is more of an Apple Pay user than I am, but she's said the only department store that she's had no problems using it at was Kohl's.

    I did see where Safeway grocery stores are getting Apple Pay support this month. I used to shop there pretty often, but we rarely do anymore. Maybe we'll do so again....

  15. TheRealDGD macrumors member


    Oct 18, 2016
    It's a fine thing that Apple Pay... but one day you will all regret not carrying and using cash and leaving your money to be handled by technology.
  16. NinjaHERO macrumors 6502a


    Aug 29, 2008
    U S of A
    The more places I can just use my phone the better. Feels like the adoption of this technology is taking forever. But glad it's still moving forward. I look forward to the day I only need my iphone and not my wallet.
  17. ArtOfWarfare macrumors G3


    Nov 26, 2007
    Non-fast food restaurants really need to get onboard with Apple Pay. Running through my past month of expenses, I had to use my physical credit card at 10 different restaurants and 3 times at gas stations. In the same time period, I was able to use Apple Pay for groceries 3 times. So I'm up to around 19% of my in-person (as opposed to online) transactions being through Apple Pay.
  18. Chupa Chupa macrumors G5

    Chupa Chupa

    Jul 16, 2002
    It's kinda old world meets new world. Seems like NFC is a "no brainer" for ATM machines but especially the non-bank ones found at gas stations and convenience stores with skimming still very much a thing.
  19. JeffyTheQuik macrumors 68020


    Aug 27, 2014
    Charleston, SC and Everett, WA
    I know what you mean, but there will come a tipping point some time in the next year or two, I think.
    The "We don't take Apple Pay, but we do take Android Pay" is an irritant that I hope will soon go away. That's like saying, "We won't serve people that drive Chevrolet's through our drive through." Huh?

    So, let me get this straight.... I pay $1000 for a phone, put my debit cards into it, and you won't take my money until I get another brand of phone that you like?

    I've left merchandise on the counter because of that, not because I wanted to make a scene, but because I couldn't pay for it with my phone, and my cards were in the car, or at home.
  20. Chupa Chupa macrumors G5

    Chupa Chupa

    Jul 16, 2002
    That day has long past and well before NFC became reality. I get the trade off and it is a big one, but lets be realistic, it's just neither practical to carry around rolls of bills nor fun to have change clanking around in your pocket.
  21. mrklaw macrumors 68020

    Jan 29, 2008
    this is the one missing piece for me. Lots of stores take apple pay or contactless (and therefore apple pay). But sometimes I come across a street food place or somewhere that doesn't take cash and I'm stuck. If ATMs let me take out a little cash using apple pay that would be awesome and my cards could stay at home.
  22. nicho macrumors 68020

    Feb 15, 2008
    That's because of the £30 limit on contactless transactions (we're talking only about business that haven't been set up properly for Apple Pay in both cases here).

    In China, Apple Pay can be used anywhere that takes contactless, which is like 99% of card readers made in the last 3 or 4 years. The implementation is basically just making the "chip" part of the process contactless, and requires a PIN (unless you have a credit card and you set up a floor limit for it, or you top up a special "contactless" wallet in your debit card). Places can properly implement Apple Pay, of course, but the advantage is that they don't have to and it just magically works for any size of transaction (the disadvantage being, having to enter your pin).

    Because of the way it works, almost every bank I've been to here in the last 6-12 months has enabled Apple Pay ATM withdrawals, which work the same way Wells Fargo is doing. The card handles the "getting you into your account" bit, but you need a pin to withdraw money.
  23. mariusignorello macrumors 65816

    Jun 9, 2013
    Chase you’re next. Also we’re waiting for you to install those nice new NCR ATMs that you have in Santa Monica locations.

    Attached Files:

  24. Chupa Chupa macrumors G5

    Chupa Chupa

    Jul 16, 2002
    Are there a lot of stores like that? I haven't noticed. I either see the Apple Pay logo + Android Pay or the generic NFC logo. I can't recall seeing only Android Pay. But agree it is nonsense to take one over the other except maybe at the MS or Samsung store (I have no idea what payments they actually take) or an Android-only type store.
  25. benji888 macrumors 68000


    Sep 27, 2006
    United States
    1980s security: still have to enter your PIN :rolleyes:

    You’re it doing wrong...no, seriously, you should be able to run it as credit card, most places where “enter pin” shows up in terminal, I just hit enter, (without entering any numbers), and it should run it as credit not debit. Unfortunately, some places, you do that, and you still have to sign it...the U.S. has old fashioned policies where the merchant’s financial institution may still require a signature :rolleyes:

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