ATM without an ATM Card

Over the last few months, I’ve seen several Chase ATMs sporting a Cardless NFC logo just to the right of the keypad. Today, I noticed that an ATM in Manhattan’s Greenwich Village looked a little different than it did before. The screen displayed a similar “Cardless Access” logo, suggesting that the cardless feature had gone live. Excited to avoid fishing my Chase debit card out of my wallet, I decided to try and withdraw cash from this ATM without my ATM card.

I pulled out my phone and selected my Chase debit card from the Apple Wallet. I then placed the phone a few inches above the Cardless logo on the ATM and authenticated with TouchID. And then voila, the ATM allowed me to proceed without my debit card.

Everything else works like it always does. I still had to enter my PIN, and I still had the option to receive $5 bills for my cash withdrawal. Because I didn’t have to leave my card in the card slot, I didn’t have to take the card to retrieve my cash. Instead, the machine just let me take the cash.

I have left my ATM card in more than one ATM before. Before most ATMs used the chip on the card, I got accustomed to dipping my card into the slot and then pulling it out. On at least two occasions, I used machines that kept the card until I took the cash. The dip-and-pull ATMs trained me that retrieving my cash was the last step of the transaction. But at these strange ATMs, I pulled my cash and left the ATM vestibule, leaving behind my debit card.

Having fallen victim to such carelessness at least twice, I’m glad to see this technology will spare me from doing this in the future.

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