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.