Need an Apple Pay ATM in Chicago? You don’t need a special “Apple Pay ATM” brand. What you’re looking for is an NFC-enabled ATM where you can tap your iPhone or Apple Watch at the contactless symbol, enter your PIN, and withdraw cash—no card insert required.
This guide shows you where Apple Pay–friendly ATMs are most common in Chicago, which banks support tap-to-cash, how to find them on a map, and a quick step-by-step walkthrough to use Apple Pay at the ATM.
Where You’ll Most Likely Find Apple Pay ATMs in Chicago
In Chicago, ATMs that work with Apple Pay usually have the contactless “wave” logo near the card slot or screen. You’ll see the most options in:
- The Loop & River North: High-density branches from Chase, Bank of America, Wells Fargo, PNC, and others around State St, Michigan Ave, and Wacker.
- Near transit hubs: ATMs in and around Union Station, Ogilvie, and major CTA/Metra stations.
- Neighborhood corridors: Branch ATMs in areas like Lincoln Park, Lakeview, Wicker Park, West Loop, and Hyde Park.
- Retail & grocery: Some bank-branded and large-chain ATMs inside grocery stores and pharmacies now support contactless tap.
As long as your debit card is added to Apple Wallet and the ATM supports contactless or cardless access, you can usually start the session with Apple Pay and then enter your normal PIN.
Banks in Chicago That Commonly Support Apple Pay at ATMs
Support can vary by branch, but these banks are often your best bet for tap-to-cash in Chicago:
| Bank | Apple Pay / Contactless ATM Support* | How to Check |
|---|---|---|
| Chase | Many branch and lobby ATMs support Apple Pay tap. | Use the Chase app/locator and look for cardless/contactless icons. |
| Bank of America | Flagship and busy branches often support wallet tap to start ATM sessions. | Use the BOA locator → check ATM “features.” |
| Wells Fargo | Numerous “cardless / contactless” ATMs across the city and suburbs. | Filter for cardless/contactless ATMs in the Wells Fargo locator. |
| PNC | Contactless ATMs in central business districts and campus areas. | Use the PNC locator and look for “contactless” or “cardless.” |
| Others (TD, Citi, etc.) | Rollouts vary by branch—some support NFC tap. | Check each bank’s locator or call ahead. |
*Features change over time. Always confirm in your bank’s app or locator before you head out.
Map: Search for Contactless / Apple Pay ATMs in Chicago
Tip: In Google Maps or Apple Maps, search for “ATM” or a specific bank (like “Chase ATM”) while you’re in Chicago, then tap through locations and look for contactless icons or photos showing the wave symbol.
How to Find an Apple Pay ATM in Chicago (Step-by-Step)
- Start in your bank’s app. Use the built-in ATM locator and enable filters for cardless, contactless, tap, or digital wallet support.
- Search maps near your area. In the Loop, River North, or your neighborhood, search for “ATM” or a bank name and pick branch locations first.
- Check for the contactless symbol. At the machine, look for the wave icon where you’d tap your phone or watch.
- Favor branch lobby ATMs. Indoor ATMs inside bank branches are upgraded more often and usually support tap-to-cash.
- Call ahead if needed. Ask the branch, “Does your ATM support Apple Pay or contactless withdrawals?”
How to Use Apple Pay at an ATM in Chicago
Once you’ve found a contactless ATM, withdrawing with Apple Pay works like this:
- Add your debit card to Apple Wallet and make sure Apple Pay is set up on your iPhone or Apple Watch.
- Wake your device and select the card linked to your checking account.
- Hold it near the contactless symbol on the ATM until you see or feel confirmation on your device.
- Authenticate with Face ID, Touch ID, or your device passcode.
- Enter your PIN on the ATM keypad, choose Withdraw, and select the amount.
- Take your cash and receipt, then lock your phone and move away from the screen before counting money.
Fees, Limits & Safety in Chicago
- Fees: Apple Pay doesn’t waive ATM charges. You can still be hit with an ATM surcharge plus out-of-network bank fees. Stick to your bank’s ATMs or fee-free networks when possible. See our fee-free ATM guide.
- Limits: Your usual ATM withdrawal limit by bank still applies even when using Apple Pay.
- Security: Apple Pay uses tokenization, so your actual card number isn’t shared with the ATM, which can reduce skimming risk.
- Location safety: Prefer indoor ATMs in bank lobbies or busy retail spots, especially at night or when taking out larger amounts.
Quick FAQs: Apple Pay ATMs in Chicago
Do all ATMs in Chicago accept Apple Pay?
No. Only NFC-enabled ATMs that support digital wallets do. Always look for the contactless symbol and confirm in your bank’s app.
Which banks are best for Apple Pay ATMs in Chicago?
Chase, Bank of America, Wells Fargo, and PNC are common starting points, especially in the Loop, River North, and major neighborhood corridors.
Is Apple Pay at an ATM safer than using a physical card?
Often yes. Apple Pay transactions are tokenized, so your card number isn’t stored or transmitted through the ATM’s card reader.
Can I deposit with Apple Pay at an ATM?
Usually, Apple Pay is just how you start the session. Deposits depend on the ATM and your bank’s policies—follow on-screen options once you’re logged in.
Related Chicago & Apple Pay Guides
- Apple Pay ATM Near Me (National Guide)
- Contactless ATM Near Me
- Cardless ATM Near Me
- Apple Pay ATM in Philadelphia
- ATMs in Chicago
Updated November 2025.