Can You Use a Chase ATM with Apple Pay?

In today’s digital age, the convenience of managing your finances is at your fingertips, thanks to the integration of technology and banking services. Two such innovations that have gained immense popularity are Apple Pay and ATM services provided by banks like Chase. But can you combine the power of Apple Pay with the convenience of a Chase ATM? Let’s explore this intriguing question and find out how these two services can work together to simplify your banking experience.

Understanding Apple Pay

Apple Pay is a mobile payment and digital wallet service developed by Apple Inc. It allows users to make payments using their compatible Apple devices, such as iPhones, Apple Watches, iPads, and Macs, at various retail locations, online stores, and even within apps. Instead of using a physical credit or debit card, Apple Pay stores your card information securely on your device and facilitates contactless payments through Near Field Communication (NFC) technology or in-app transactions.

Chase ATMs and Cardless Access

Chase Bank, one of the largest financial institutions in the United States, offers a network of ATMs that provide various banking services, including cash withdrawals, deposits, and balance inquiries. To enhance customer convenience, Chase has also introduced cardless access to its ATMs. This means that you can access certain Chase ATMs without needing your physical debit card; instead, you can use your mobile wallet, which includes Apple Pay.

To find an Apple Pay-enabled ATM near you, click here.

Using Apple Pay at Chase ATMs

Chase Bank had introduced the capability to use Apple Pay at some of its ATMs for cardless access. This feature allows you to initiate ATM transactions using the Chase Mobile App and your Apple Pay-enabled device. Here’s how it generally works:

  1. Open the Chase Mobile App: Ensure that you have the Chase Mobile App installed on your Apple device.
  2. Locate a Cardless ATM: Use the app to find a nearby Chase ATM that supports cardless access. These ATMs are equipped with NFC technology to communicate with your Apple Pay.
  3. Initiate the Transaction: Follow the on-screen instructions within the app to initiate a withdrawal or other transaction. You may need to provide your PIN for security purposes.
  4. Authenticate with Apple Pay: When prompted, hold your Apple Pay-enabled device near the ATM’s NFC reader. Your device will securely transmit the necessary information to complete the transaction.
  5. Retrieve Your Cash: The ATM will dispense the requested cash, and you can collect your money as usual.

Please note that the availability of cardless access to Chase ATMs using Apple Pay may vary by location and can change over time. It’s essential to check with Chase Bank for the most up-to-date information on which ATMs support this feature.


The fusion of traditional banking services with cutting-edge technology has made managing your finances more accessible than ever before. Using Apple Pay at Chase ATMs for cardless access is a testament to this convenience, allowing customers to withdraw cash without the need for a physical debit card. However, it’s crucial to stay updated with any changes or new developments in this technology, as financial institutions like Chase are continually innovating to provide better services to their customers. If you’re a Chase customer and an Apple Pay user, this integration can offer you a seamless and secure way to access your funds while on the go.