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

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.

Related Roundup: Apple Pay


Top Rated Comments

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13 months ago
Why do you need to enter a PIN, Is TouchID not good enough?
Rating: 11 Votes
13 months ago
Man I wish more places I shop at would take Apple Pay.
Rating: 10 Votes
13 months ago

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?


I had a funny thing happen to me way back when Apple Pay first hit Canada. There was a little note stuck to the terminal at a bakery I visit that said “No Apple Pay”. I had previously used my card by tapping so this was odd.

When I paid I put my iPhone on the terminal the owner (older guy) starts frantically waving his hand and saying he doesn’t accept it. Few seconds later the “Approved” message comes up on the terminal. He has this odd look on his face and I leave with my stuff. Week later I stop by again and the note saying “no Apple Pay” was gone.

I think merchant education was a big issue as lots of retailers were caught off guard by people suddenly tapping their phones.
Rating: 6 Votes
13 months ago

I'm surprised how much the US is seemingly behind the times when it comes to card transactions.


We still think front-loader washing machines are kind of cool and novel.
Rating: 4 Votes
13 months ago

Why do you need to enter a PIN, Is TouchID not good enough?


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.
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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.


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.
Rating: 3 Votes
13 months ago

Why do you need to enter a PIN, Is TouchID not good enough?


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.
Rating: 3 Votes
13 months ago

Actually, cashiers have the option to run chip cards as regular swipe cards. I have actually used my chip card that way when the card wasn't working in the chip reader for some reason just a couple of weeks ago. There is more flexibility in the system then some would lead you to believe. Thus it is still possible to use Samsung Pay as well.

Incorrect as a person who works in this industry. Why Samsung Pay still works is it creates a fake chipless card without the service code stating there’s a chip. Hence allowing you to still use Samsung Pay on chip reading terminals.

Cashiers can’t bypass the chip reader. You have to insert a card and have it fail at least 3 times before it allows you to swipe. The bank will flag this as a fallback, and if they see it happen a lot in a day; they’ll just block the whole card, and you need a new one with a working chip.
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This is from a practical point. I've used Apple Pay since the beginning, and there have been cases where I've seen the Android Pay logo, see people use their Android Pay in line before me, and when it came to my purchase, it didn't go through. the terminal simply didn't register the purchase, and my Watch just had the card on the face, looking at me.
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Apple Pay saved my vacation in Canada. OK, that's a little extreme, but our cards didn't work there... No Cip, No PIN, and the merchants wouldn't take our cards. I remembered that I had Apple Pay, and went ahead and tried it at London Drug, and it worked!

I think you're right... I've used it at a lot of places and they marvel that it works, even now, three years later.
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Will do. The place I was at was in Washington State, and I'm in South Carolina now.
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Like I put above... I'll name names when I encounter them. Yeah, I get those places, but if I ran the Samsung Store or the Microsoft Store, I'd be all in on taking Apple Owner's money buying my products as a competitor. It'd most likely be a one time use of Apple Pay there, as henceforth, they'd be using Android Pay after that.

EDIT: I remember... it was Safeway in Lynnwood, WA, at 148th and WA99 that didn't take Apple Pay, but did take Android Pay. This is a recollection from about 6 months ago. I think Lowe's down in Mt. Peasant, SC is also one of those too. I'll double check this weekend.

It’s 2017 and your cards still don’t have a chip? Who do you bank with so I know to avoid them! All of my banks issue chip cards, and I live in Phoenix! And no problem using my Wells Fargo debit in Canada or Europe. Apple Pay worked as well in Canada, but had resistance to people using it in Mexico, as the cashiers were very weary of it in mexico.
Rating: 2 Votes
13 months ago

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:


I am doing it the way I want...no, seriously, I am doing it the way I know it works the first time 100% of the time. Doesn't make it wrong. Yes, in many cases you can run it as credit but I have had it reject as declined or just go back to payment selection and have start over, only wasting more time and accomplishing nothing. I stick with what works. Also for smaller merchants they are eating less of a fee of debit vs credit and that matters to me. The multitude of machines means it's a broken process in the US, and will be for some time as far as I can tell. Yeah yeah the rest of the world is soo much better or ahead :rolleyes: - at the end of the day stuff is bought, money is withdrawn and bigger fish to fry. This of course is only for Visa/debit card transactions, true credit cards have worked seamlessly for me via Apply Pay.
Rating: 2 Votes
13 months ago
I’ve been using my iPhone at Bank of America ATMs here in South Florida for the better part of the year. It works seamlessly and now eliminates the chance of forgetting your atm card or the card getting stuck/not working in the machines.

No negatives so far.
Rating: 2 Votes
13 months ago

Man I wish more places I shop at would take Apple Pay.


Exactly, I miss my Note sometimes because I could use that everywhere.
Rating: 2 Votes

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