Although the US continues to trend toward a cashless society, 59% of consumers still make a few purchases a week in cash, according to a 2022 Pew Research Center study. To accommodate this transition, many banks now offer cardless ATMs, which allow you to withdraw money through secure apps installed on your mobile phone.
This is perfect for those who often forget or dislike carrying their debit or ATM card or want to limit the number of times they need to touch an ATM.
Find the right checking account for you by comparing each bank’s key features — from minimum opening deposit to the number of cardless ATM locations nationwide.
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A cardless ATM accepts your mobile device in place of your debit card when managing your account withdrawals. But you can only withdraw money without a card from ATMs owned by your bank with a cardless cash or contactless feature. To access your money, you’ll need the bank’s app on your mobile device.
How you access your funds depends on each ATM, but they work through near-field communication, scanning a QR code, an app-generated code or biometric authentication. No matter the method, each offers a simple and fast way to withdraw cash without needing a debit card.
Depending on your bank’s ATM, connecting to it will work in one of these four ways:
There are five different types of cardless ATMs, so it depends on which one you’re using.
Major US banks like Chase have started offering cardless ATMs that let you withdraw cash using near-field communication (NFC). These banks typically partner with the Mastercard or Visa cardless ATM network to offer this feature.
For example, with a Chase Total Checking account or Chase Secure Banking account, you can add your debit card to your mobile wallet. Then, tap your phone at the ATM to withdraw cash. Other banks let you schedule your withdrawal from their app.
How to withdraw money
Apple Pay is accepted at most cardless ATMs, including Wells Fargo, Chase and Bank of America. Apple Pay uses near-field communication (NFC) for cardless ATM access. To verify that an ATM is NFC-enabled, look for the contactless symbol.
How to withdraw money
Google Pay works the same as Apple Pay. Withdraw money at any ATM that has the contactless symbol.
How to withdraw money
Select Capital One 360 Checking customers can withdraw money at any cardless ATM with a CashTapp sticker. Use the ATM finder in the CashTapp app to find a cardless ATM near you.
How to withdraw money
Many small banks offer cardless ATM access to customers through Paydiant, which PayPal owns. Paydiant has over 72,000 ATM locations across the US. It uses an app-generated QR code to grant you cardless ATM access.
How to withdraw money
As this feature becomes more common in the US, it’s important to compare your options and consider features related to cardless ATMs.
| Bank | App | OS | Compatible accounts | Security features |
|---|---|---|---|---|
| Bank of America | Google Pay |  | Consumer debit cards, U.S. trust debit cards, small business debit cards (owner card only) | PIN |
| BMO | BMO Digital Banking App |  | BMO debit cards | Scan QR code on your phone once you arrive at the ATM |
| Wells Fargo | Wells Fargo Mobile – Card-Free Access | | Wells Fargo debit and Wells Fargo EasyPay cards | PIN/ATM Access Code |
| Chase | Apple Pay, Google Pay or Samsung Pay mobile wallet |  | Consumer debit cards (excluding CPC Privileges card), business debit cards (excluding Business Associate cards) and Chase Liquid cards | PIN |
| Capital One | CashTapp | | 360 Checking account | None. Once you’ve scheduled your withdrawal, head to the ATM and sign in to CashTapp. Then, move your phone close to the ATM’s CashTapp sticker. |
| Fifth Third Bank | Fifth Third mobile banking app | | N/A | PIN |
| PNC Bank | PNC Mobile app | | All active PNC debit and banking cards are eligible for card-free ATM access | Enter a one-time eight-digit access code generated by the app, then enter your PIN |
There may be limits on how much money you can withdraw daily from your account, but this varies between accounts and banks. Check your bank’s account disclosure for your cash withdrawal limit.
Some banks may offer a sharing option where someone else can pick up your cash. Check with your bank to see if this is an option. Sometimes, you must provide the app with the appropriate person’s mobile phone number.
If you share a joint account with someone, you should have equal access to withdrawals without additional fuss. Simply access the cardless cash withdrawal like usual.
Narrow down checking accounts from banks with cardless ATMs by monthly fees and minimum opening deposits. Select Compare on up to four accounts to see their features side by side.
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Consider these benefits and drawbacks when using an ATM.
Despite the safety measures of cardless ATMs, you should still know how to protect your money when grabbing cash.
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What is the name of the app so I can do cardless cash?
Hi Robert,
Thank you for your comment.
The cardless cash feature can be retrieved from your bank’s app. For example, your bank is Commbank, you need to download a Commbank app and click Cardless Cash icon (if available) to start using this feature.
Regards,
Jhezelyn
Where are the cardless ATM machines in Tennessee?
Hello Dezane,
Thank you for your comment.
Please note that cardless cash works by providing you with a unique code that you use to enter into an ATM to withdraw cash when you don’t have your card. Basically, almost all ATM’s in TN can let you withdraw cash in it if you’ll use cardless cash.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Can government beneficial prepaids have access to atm with out the actual card on emergency
Hi Juanita,
If you are referring to Direct Express government prepaid card, as of this time it does not have the feature that will allow you to withdraw money from the ATM without using your card. The service that Direct Express has is the Cardless Benefit Access which will allow the cardholders to get up to $1,000 from the available funds in their account without using the card. Funds are issued via money order however there is a fee for the service which ranges from $8.50 to $12.00 based on amount requested.
You can also confirm this information by contacting Direct Express directly.
Hope this helps.
Cheers,
Charisse