Tap your phone to withdraw cash from Wells Fargo ATMs

Apple Pay, Android Pay and Samsung Pay can all replace your card.

Frederic J Brown/AFP/Getty Images

Wells Fargo enabled smartphone-only ATM withdrawals back in March, but the need to punch in both an app-specific code and your PIN partly defeated the convenience of the feature. As of now, though, it's decidedly easier: the bank has enabled NFC access at more than 5,000 of its ATMs across the country. As with Chase, you just have to tap your phone (using Apple Pay, Android Pay or Samsung Pay) and enter a PIN code to start a transaction at a supporting machine. Suffice it to say this is considerably faster than entering two codes just to withdraw some cash.

The main catch at this point is simply availability. Wells Fargo touts NFC support at over 40 percent of its ATMs, but that still leaves most of its machines working the 'old-fashioned' way. Tap-based access at every ATM is expected to come by 2019. Even so, it's a big step toward a day when you can ditch plastic cards as long as there's a phone in your pocket.